How to Answer a Summons for a Debt Collection Lawsuit (In 3 Steps)

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How to Answer a Summons for a Debt Collection Lawsuit

In this video I show you how to answer a summons for debt collection.

“My debt collector is my best friend!” — said no one ever.

Follow these steps to win your debt collection lawsuit.

1.Create your Answer document to the summons.

IN MOST STATES YOU ONLY HAVE 20-30 DAYS TO RESPOND TO THE LAWSUIT BEFORE YOU AUTOMATICALLY LOSE!!!

That’s not a joke. If you ignore the lawsuit you will lose and you will end up paying more money, sometimes as much as 10x more! Do you want that? If you don’t want to automatically lose your case, then make an Answer.

To make your Answer to the complaint, respond to each numbered paragraph on the complaint.

2. Assert your affirmative defenses.

Also on your Answer document, you must assert your affirmative defenses. These are just any reason why the person suing you doesn’t have a case. If you don’t make your defense now, you can’t make it later.

3. File your Answer with the Court and mail a copy to the other party.

This is the most important and perhaps difficult part. In most states you need to physically print and mail your answer. Send one copy to the court, the other to the opposing attorney.

Responding to the lawsuit by first filing an answer will give you leverage to settle and talk down your debt.

[ieshamitchell]

Big shout out to solosuit. You guys are amazing in helping out with response letters. I will be using your services for any additional problems that I have....

[kitowellbeing]

Thank you, George! What a shakedown the debt collection is. They buy the debt for $0.04 on the dollar and intimidate people for what the bank said the total of the debt was. The collection letters did reflect different amounts. Bottom line is the issuing bank has discharged or written off the debt and we don't have any signed contracts with these collectors trying to make 96% profit on their investment. THANK YOU AND BLESS YOU!! I was sick to my stomach receiving the summons and feel so much better hearing your videos. I will be using SoloSuit to file my response tomorrow after some sleep. God Bless you! ❤🙏

[Peteri-nlun]

Thank you George for this video. I lived in Utah and got a summon. Thanks for taking the time to do this video and all the info.

[LaurenINFJ]

P.S. You don't always need a library card to print at the library, and even if you do, the library card is free and helps libraries receive stats that they report to the government, which in turn helps libraries get funding. :) And at many libraries, printing is either free, on a donation basis, or super cheap! Libraries are the best! :)

[guadalupewilcox]

Bless you for explaining this so clearly

What you're not telling your viewers in this video is DO NOT respond to mail or phone calls from collectors, doing so will reset the statuet of limitations but also confirming to the collector you own the debt opens the person up to being sued so if someone answers the ph from a number they don't recognize and the first words they hear are "you are on a recorded line" that is a collectors attempt to get you recorded admitting to the debt so they can proceed with their possible law suit if you don't pay

[Plussizebaddie]

Omg this video is heaven sent!! Thank you, I am not working so I can't afford an attorney.. But you are very direct thank you!!

[thesxcichef]

I love writing answer letter for people. They’ll NEVER contact you AGAIN!

[kimberlymarvin]

This is my first video and your awesome!!!! I’m going to watch because I haven’t filed my answer yet. Thank you!

[rudygarcia]

Completely blown by how simple this was!

[nubian]

Thank you, very simple and free....awesome

[rickyortiz]

Your the best I was hella nervous tbh…. I dnt know how to respond and now I fill confident

[christianjensen]

This guy is funny AF! 😂 and very helpful. Thank you

[strayhorserecords]

Thankful to have found this video. Made the answer process super easy only took 5 minutes

[tanisha_tlc]

I received a summons the other day. I went to the website you stated, but I live in Kansas. Thanks in advance. 🕊❤️✌🏽

[HollyMusic]

Im loosing sleep over 2 lawsuits we have for medical bills. 1 was already approved for judgment in court hearing we never were invited too. And 1 just got the second one yesterday with a court hearing in December but interest accruing from February of this year and its August already. I dont know what im doing and i cant hire a lawyer. What should i do?

[patadams]

I am so relieved right now! I watched your video....i died laughing when you were talking about printers! Mine was not working! Lol! So I went to you website and did your 15.00 service. THE BEST MONEY I EVER SPENT !!!!+ thank I cant tell you what a difference you made!!!

[dreamingofyou]

First of all thank you so much for all the I'm getting sued for medical bills. I do owe them. But everytime they called, they gave me only 2 payment options. To pay in full or 2 payments. My debt is 4500. So it is impossible for me. So is it still recommendable to deny, or do I just reply assertively? All I wanted was monthly payments. Not a lump sum. Thank you for your time.

[cpenn]

Well I just want to give solo suit props because they helped me with a lawsuit last year where I filled a response and then went to court long story short 3000 debt was dismissed

[brokenempath]

In the answer can you ask for production of documentation, like the proof of the original contact, proof they own and purchased the debt, document of the debt being validated? When do I send this? And also what happens after you officially answer and send everything certified? Thank you so much.