How To Answer A Summons For Debt Collection

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Receiving a summons for debt collection are often a terrifying thing. While you would possibly be tempted to ignore it, that’s not an honest plan. If you ignore the summons, the creditor will get a default judgement against you, albeit it’s possible that you simply don’t owe the debt, or that the corporate suing you doesn’t have the proper to gather it. Instead, draft a solution defending yourself and forcing the corporate to prove that you simply owe the debt. Then, if it’s within your means to try to so, call the corporate and check out to settle the debt instead of getting to court.

Table of Contents

Drafting a solution

Read the summons and complaint carefully. When you’re served with a summons and complaint, typically a sheriff’s deputy or private process server will come to your home or place of labor and hand you the court papers. attempt to remain calm as you sit down and open the papers to read them.

  • The summons tells you ways to answer the lawsuit and the way long you’ve got to file your response with the court. it’ll likely advise that the plaintiff (the debt collector) can get a default judgement against you if you do not respond.
  • The complaint provides information about the debt collector that’s suing you, the name of the first mastercard company, and therefore the amount of cash they claim you owe.

Respond to the lawsuit or debt claim

The number one mistake borrowers make once they are sued for a debt is failing to reply to the notice, which usually arrives within the sort of a summons and complaint. If you owe the debt and can’t pay it, you’ll assume there’s not much you’ll do. If you fail to reply , however, the gathering agency will get a default judgement against you. That exposes new avenues of collection for them, including wage garnishment or the power to require money from your checking account , counting on state law. Worse, the collector could also be ready to add attorney’s fees, court costs or interest to the balance. In some cases, the balance can double or triple thanks to these additional costs.

Reaching a Settlement

Decide if you would like to settle the debt. In some circumstances, it makes more sense to settle the debt than to travel to court and check out to fight the lawsuit. Settlements offer you more control over the result . If you lose the lawsuit, you’ll not have much choice in how you pay the debt back. Seeking a settlement may be a good idea if:

  • You recognize the debt and may verify the quantity listed within the complaint.
  • You made the last payment on the debt within the last year or two.
  • you’ve got enough money to pay off the debt, either all directly or over time.


  • Albeit you’ve missed the deadline to file your answer, plow ahead and file it anyway. Sometimes a late-filed answer are often better than nothing in the least , and it’s going to keep the debt collector from getting a default judgement against you.


  • This text discusses answering a summons for debt collection within the US. If you reside in another country, the method could also be different. Consult an area attorney or consumer protection agency.
  • If you’re served with a summons and complaint for debt collection, don’t ignore it. The debt collector will get a default judgement against you and should be ready to garnish your wages or seize your property.
How To Answer A Summons For Debt Collection

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