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Summary: Sued for debt? Each state has specific requirements for responding to a debt lawsuit, but there are certain steps that are universal. For example, you should respond to each individual claim against you, assert your affirmative defenses, and file the Answer before your state's deadline. Here's our 50-state guide on how to respond and win in court. Use SoloSuit to respond in just 15 minutes.
Don't just roll over and take it. Fight back.
We want to help you win your debt collection lawsuit, not pay money that you don't owe, and protect your wages from garnishment. That's why we put together this guide for how to answer a summons for debt collection in all 50 states. Don't like reading? Check out this video:
Debt collection lawsuits are difficult to navigate, partly because the relevant laws change from state to state. So we've compiled the most relevant information for each all in one spot. Now you don't have to crawl your state courts' website looking for this information, because, trust me, it's a nightmare.
For each state, we provide the following:
- Deadline for filing your Answer to a debt collection summons and complaint
- Most relevant official Answer form available in that state.
- Court case search tool where you can check the status of your case
- Attorney lookup tool where you can search contact information for the attorney representing the opposing party
Some states don't have answer forms so we've linked to other helpful forms and tidbits where we can.
Also, we should mention this: SoloSuit can do all of this for you.
You can use SoloSuit to generate your Answer
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts, or you can pay SoloSuit to file it for you and to have an attorney review the document.
>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance
The 3 Steps to respond to a debt lawsuit
A debt lawsuit begins when you receive a Summons and Complaint. The Summons tells you that you're being sued. The Complaint tells you why you're being sued. In some states these documents are a little different or are called different names. In some states, like Texas, they're called a Citation and Petition. Here is what they look like:
To respond to a debt lawsuit, you need to take three steps. SoloSuit walks you through these steps.
1. Respond to every paragraph in the Complaint
The Complaint includes several numbered paragraphs that lay out the lawsuit against you. For debt collection cases, there are usually between 10 and 30 numbered paragraphs. Read each paragraph and decide how you want to respond. You should respond in one of three ways:
- Admit. Admit the paragraph if you agree with everything in the paragraph.
- Deny. Deny the paragraph if you want to make the debt collector prove that it is true.
- Defendant denies the allegation for lack of knowledge sufficient to know the truth or falsity thereof. This is a lawyerly way of saying “I don't know.” Choose this option if you don't understand the paragraph or if you don't have the information needed to respond to it.
Choose one of these responses and write it into your Answer after the corresponding paragraph number.
Many attorneys recommend denying everything to force the other side to prove everything. This is a good strategy in many cases.
2. Assert your Affirmative Defenses
An “affirmative defense” is a reason why the person suing you doesn't have a case; it is your defense against the lawsuit. You must list these defenses in your Answer otherwise, you can't bring them up later. That's right, asserting your affirmative defenses is a once in a lifetime opportunity: if you don't bring them up now, you are legally prohibited from bringing them up later. Many online forms don't help you assert your affirmative defenses, SoloSuit does.
Here are some of the more common defenses we see:
- The account with the debt is not your account
- The contract was already canceled. Therefore you don't owe the creditor anything.
- The statute of limitations has expired. A statute of limitations is a law that sets a deadline on an action.
- The debt has been paid or excused.
- The debt has been partially paid.
- You were a co-signer but were not informed of your rights as a co-signer.
These are a few of the many affirmative defenses. Being unable to pay the debt is not normally a legal defense to the debt.
3. File the Answer with the court and the plaintiff
Once you have created your Answer, responded to the paragraphs in the Complaint, and asserted your affirmative defenses, you are ready for the final step: file your Answer. The Answer document by itself is worthless unless you file it properly. Otherwise, it's like doing homework and not turning it in. SoloSuit takes care of this for you so you don't have to worry about buying a printer and figuring out whether you need Certified Mail or Priority Mail at the Post Office.
Here's what you need to do to file your answer.
- Print two copies of your Answer
- Mail one copy to the court
- Mail the other copy to the plaintiff's attorney.
The address for the attorney will be in the Summons and Complaint you received in the mail. But where is the address for the Court? Good question, most Summons don't list the address of the Court. And the mailing address is often different from the physical address of the court listed on Google. With SoloSuit, we figure all of that out for you and make sure your Answer gets to the right place.
(Read the CardRates article about SoloSuit.)
Without further ado, this is how you answer a summons for debt collection in any of the 50 states (and the District of Columbia).
Alabama
Sweet home Alabama, we made an in-depth guide for you: How to Answer a Summons for Debt Collection in Alabama
Alabama Rules of Civil Procedure
Deadline for answering a debt collection summons
District Court – 14 Days
Circuit Court – 30 Days
Answer to Complaint Forms
Attorney directory
Find a Member | Alabama State Bar
Alaska
Alaska Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Case search tool
Attorney directory
Member Directories - Alaska Bar Association
Arizona
The Grand Canyon State, do we have a grand guide for you: How to Answer a Summons for Debt Collection Arizona (2020 Guide)
Most courts in Arizona charge an Answer filing fee. The fee ranges from $40-$245. SoloSuit makes calculation and payment of the fee easy.
Arizona Rules of Civil Procedure
Deadline for answering a debt collection summons
20 days - if you were served in Arizona
30 days - if you were served outside of Arizona
Answer to Complaint Forms
Answer (For lawsuits under $10k)
Answer (For lawsuits over $10k)
E-filng (Civil)
E-filing (Small claims)
Attorney directory
Membership Records - State Bar of Arizona
Arkansas
The home of Walmart. Here is your guide: How to Answer a Summons for Debt Collection in Arkansas.
Arkansas Rules of Civil Procedure
Deadline for answering a debt collection summons
30 days
Answer to Complaint Forms
Court search tool
Attorney directory
California
The Golden State, we made a guide for you too. How to Answer a Summons for Debt Collection in California.
California courts charge an Answer filing fee. The fee ranges from $181-$450. SoloSuit makes calculation and payment of the fee easy. We can even help you with a fee waiver, if applicable, which brings the fee down to zero.
California Rules of Civil Procedure
Deadline for answering a debt collection summons
30 days
40 days if the documents were served on someone else in your household or they were mailed to you.
Answer to Complaint Forms
Case search tool
California doesn’t have a universal link for case searches, but almost all counties have a case lookup portal. Here are some of the major counties in which we file (feel free to build this list):
- Alameda
- Contra Costa
- Fresno
- Los Angeles
- Orange
- Placer
- Riverside
- Sacramento
- Santa Clara
- San Bernardino
- San Diego
- San Francisco
- Ventura
Attorney directory
Colorado
Vail is pretty good. So we made a guide for you too. How to Answer a Summons for Debt Collection in Colorado
Colorado courts charge an Answer filing fee. The fee ranges from $80-$192. SoloSuit calculates and processes the fee payment for you.
Colorado Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Attorney Search / History - Colorado Supreme Court
Connecticut
Ah, the Nutmeg State and the home of the Charter Oak. Few states have done as much as you for the independence of the country, so we made you a guide: How to Answer a Summons for Debt Collection in Connecticut.
Connecticut Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Attorney/Firm Look-up - Connecticut Judicial Branch
Delaware
Delaware is the first state ever! Here's your guide: How to Answer a Summons for Debt Collection in Delaware.
Delaware Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Attorney Search - Delaware State Bar Association
District of Columbia
Deadline for answering a debt collection summons
Answer to Complaint Forms
Florida
The Sunshine State, here is your guide. How to Answer a Summons for Debt Collection in FL.
Florida Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Lawyer Directory - The Florida Bar
Georgia
Most courts in GA require the defendant to e-file. They charge a fee to e-file. The fee ranges from $7.20–$31.50. SoloSuit takes care of payment of the fee for you.
Georgia Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Member Directory - State Bar of Georgia
Hawai'i
Aloha! How to Answer a Summons for Debt Collection in Hawaii.
Hawai'i Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Find a Lawyer - Hawaii State Bar Association
Idaho
Idaho is one of the best kept secrets in the US. So we made a guide for you. So many hot springs. How to Answer a Summons for Debt Collection in Idaho.
Some courts in Idaho charge an Answer filing fee. The fee is usually $136. SoloSuit processes the fee payment for you.
Idaho Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Small claims Answer Form (It's form fillable!)
Court case search
Attorney directory
Attorney Roster Search - Idaho State Bar
Illinois
The land that brought us Lincoln! Here is your guide: How to Answer a Summons for Debt Collection in Illinois.
Illinois courts charge an appearance fee which usually needs to be filed with or before the Answer. The fee ranges from $119-$378. SoloSuit makes calculation and payment of the fee easy. We can even help you with a fee waiver, if applicable, which brings the fee down to zero.
Illinois Rules of Civil Procedure
Deadline for answering a debt collection summons
Appear in court, then you have 10 days to file an answer.
Answer to Complaint Forms
Answer/Response to Complaint/Petition
Court case search
Attorney directory
Indiana
What's a Hoosier? We don't know, but here's your guide: How to Answer a Summons for Debt Collection in Indiana.
Indiana Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
United States District Courts Southern District of Indiana Answer Form
Court case search
Attorney directory
Iowa
The Hawkeye state here is your guide: How to Answer a Summons for Debt Collection in Iowa.
Iowa Rules of Civil Procedure
Answer to Complaint Forms
Court case search
Attorney directory
Member Search - The Iowa State Bar Association
Kansas
The Sunflower State, here is your guide: How to Answer a Summons for Debt Collection in Kansas.
Kansas Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Member Search - Kansas Bar Association
Kentucky
Kentucky, we love us some bluegrass! Here's your guide: How to Answer a Summons for Debt Collection in Kentucky.
Kentucky Rules of Civil Procedure
Deadline for answering a debt collection summons
20 days
Answer to Complaint Forms
Court case search
Attorney directory
Lawyer Locator - Kentucky Bar Association
Louisiana
Can somebody please send us some beignets? We love them so much, we made a guide for your state. How to Answer a Summons for Debt Collection in Louisiana.
Most courts in Louisiana charge an Answer filing fee. The fee ranges from $10-$250. SoloSuit makes calculation and payment of the fee easy. We can even help you with a fee waiver which brings the fee down to zero.
Louisiana Rules of Civil Procedure
Deadline for answering a debt collection summons
15 days
Answer to Complaint Forms
Attorney directory
Find an Attorney - Louisiana State Bar Association
Maine
Do you smell that? It's the smell of pine trees mixed with an Atlantic breeze. And here's your guide to go with it: How to Answer a Summons for Debt Collection in Maine.
Maine Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Attorney Directory | Maine.gov
Maryland
This process is a little different in Maryland. Please take a look at this guide: How to Answer a Summons for Debt Collection in Maryland.
Maryland Rules of Civil Procedure
Deadline for answering a debt collection summonss
Served in another state - 60 days
Served outside of the United States - 90 days
Answer to Complaint Forms
Court case search
Attorney directory
MSBA Member Directory - Maryland State Bar Association
Massachusetts
The Old Colony State, here is your guide: How to Answer a Summons for Debt Collection in Massachusetts.
Massachusetts Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Instructions for writing an answer
Court case search
Attorney directory
Massachusetts Board of Bar Overseers
Michigan
The Land of the Great Lakes. Here is your guide: How to Answer a Summons for Debt Collection in Michigan.
Michigan Rules of Civil Procedure
Deadline for answering a debt collection summons
21 days
Answer to Complaint Forms
Fees
No fee
Court case search
You can also try this Michigan case search
Attorney directory
Minnesota
You gave us 10,000 lakes, and we gave you one guide: How to Answer a Summons for Debt Collection in Minnesota.
Minnesota courts charge an Answer filing fee. The fee ranges from $285-$297. SoloSuit makes calculation and payment of the fee easy. You may qualify for a fee waiver which brings the fee down to zero.
Minnesota Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Response to Conciliation (Small Claims)
Court case search
Attorney directory
Mississippi
The Magnolia State, here is your guide: How to Answer a Summons for Debt Collection in Mississippi.
Mississippi Rules of Civil Procedure
Deadline for answering a debt collection summons
30 days
Answer to Complaint Forms
Court case search
Mississippi Case Search (Supreme Court only)
Attorney directory
Lawyer Directory - The Mississippi Bar
Missouri
Missouri is the Show-Me State. Show me what? Your guide: How to Answer a Summons for Debt Collection in Missouri.
Missouri Rules of Civil Procedure
Deadline for answering a debt collection summons
30 days
Answer to Complaint Forms
Court case search
Attorney directory
Lawyer Directory - The Missouri Bar
Montana
Montana courts charge an Answer filing fee sometimes. The fees range from $20-$70. SoloSuit takes care of paying the fee for you.
Montana Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
No answer form for small claims
Court case search
Attorney directory
Sign In - State Bar of Montana
Nebraska
Birthplace of the Reuben sandwich and lots and lots of farming. Here's Nebraska's guide: How to Answer a Summons for Debt Collection in Nebraska
Beginning 2022, some (if not all) courts will require mandatory e-filing through the Nebraska Judicial Branch eFiling system.
Nebraska Rules of Civil Procedure
Deadline for answering a debt collection summons
30 days
Court case search
Attorney directory
Attorney Directory - Nebraska State Bar Association
Nevada
The home of Las Vegas, here is your guide: How to Answer a Summons for Debt Collection in Nevada.
Nevada courts charge an Answer filing fee. The fee ranges from $80-$192. SoloSuit calculates and processes the fee payment for you; we make it easy.
Nevada Rules of Civil Procedure
Deadline for answering a debt collection summons
20 days
Answer to Complaint Forms
Attorney directory
Find a Lawyer - State Bar of Nevada
New Hampshire
Live free or die! Your guide: How to Answer a Summons for Debt Collection in New Hampshire.
New Hampshire Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
New Jersey
Can we get some pork rolls please? They're so good, so we made you this guide: How to Answer a Summons for Debt Collection in New Jersey.
Courts in New Jersey charge an Answer filing fee. The fee ranges from $30-$175. SoloSuit processes payment of the fee for you.
New Jersey Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Attorney directory
Attorney Search - NJ Courts Online
New Mexico
Ah, the Land of Enchantment, here is your guide Statute of Limitations on Debt Collection in New Mexico.
New Mexico Rules of Civil Procedure (District Courts)
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Find a Lawyer - State Bar New Mexico
New York
The Big Apple, we got a guide for you. How to Answer a Summons for Debt Collection in New York.
Deadline for answering a debt collection summons
20 days - if served personally (documents were handed to you by another person)
30 days - served in any other way
New York Rules of Civil Procedure
Answer to Complaint Forms
Answer for Consumer Credit Transaction
Court case search
Attorney directory
North Carolina
The Old North State, here is your guide: How to Answer a Summons for Debt Collection in North Carolina.
North Carolina Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Membership Directory | North Carolina State Bar
North Dakota
Known for its Badlands, here's your guide for North Dakota: How to Answer a Summons for Debt Collection in North Dakota.
North Dakota Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Lawyers - North Dakota Supreme Court
Ohio
You folks made the airplane. And we made you a guide on How to Answer a Summons for Debt Collection in Ohio.
Ohio Rules of Civil Procedure
Deadline for answering a debt collection summons
28 days (with exceptions)
Answer to Complaint Forms
Other Forms (For Ashtabula County)
Attorney directory
Attorney Directory Search - Ohio Supreme Court
Oklahoma
O-K-L-A-H-O-M-A! Oklahoma! You're doin' fine and here's your guide: How to Answer a Summons for Debt Collection in Oklahoma.
Oklahoma Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
OBA Member Search - Oklahoma Bar Association
Oregon
Keep Portland Weird. Here is the guide for your state: How to Answer a Summons for Debt Collection in Oregon.
Oregon courts charge an Answer filing fee. The fee ranges from $170-$283. SoloSuit makes calculation and payment of the fee easy. We can even help you with a fee waiver which brings the fee down to zero.
Oregon Rules of Civil Procedure
Deadline for answering a debt collection summons
30 days
14 days – if you are sued in small claims court
Answer to Complaint Forms
Can eFile
Fees
$55
Helpful links
What to do if you're sued by a creditor
Court case search
Attorney directory
Pennsylvania
Mining coal is hard work. So we made a guide for your state: How to Answer a Summons for Debt Collection in Pennsylvania.
Some courts in Pennsylvania charge an Answer filing fee. This fee is usually $154.54. SoloSuit processes payment of the fee for you.
Pennsylvania Rules of Civil Procedure
Deadline for answering a debt collection summons
20 days (If you don't respond in that period, the person suing you must send you a letter saying that in 10 days they will request a default judgment.)
Answer to Complaint Forms
Court case search
Attorney directory
Pennsylvania Bar Association Directory Search
Rhode Island
Lil' Rhody, here is your guide: How to Answer a Summons for Debt Collection in Rhode Island.
Rhode Island Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Directory - Rhode Island Bar Association
South Carolina
Such beautiful Palmettos. Here's your guide: How to Answer a Summons for Debt Collection in South Carolina.
South Carolina Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Directory - South Carolina Bar
South Dakota
South Dakota courts charge a filing fee to respond to a Complaint. In most cases the fee is $25. SoloSuit takes care of payment of this fee for you.
South Dakota Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
South Dakota - LII Attorney Directory
Tennessee
The Volunteer State, here is your guide: How to Answer a Summons for Debt Collection in Tennessee.
Tennessee Rules of Civil Procedure
Deadline for answering a debt collection summons
Federal Court: 20 days
Answer to Complaint Forms
Court case search
Attorney directory
Online Tennessee Attorney Directory
Texas
Will give free Answers in exchange for brisket. How to Answer a Summons for Debt Collection in texas
TexasRules of Civil Procedure
Deadline for answering a debt collection summons
This one is complicated. Generally, you have 20 days plus until the following Monday, at 10 am to file an Answer. Count all the calendar days including weekends and holidays.
Answer to Complaint Forms
Online Guided Defendant's Answer
Fees
Free
Attorney directory
Find a Colleague for lawyers - State Bar of Texas
Utah
We love Utah. It's where SoloSuit was born. Check out our in-depth guide on How to Respond to a Debt Collection Lawsuit in Utah.
Utah Rules of Civil Procedure
Deadline for answering a debt collection summons
21 days – if served in Utah
30 days – if served outside of Utah
Answer to Complaint Forms
Attorney directory
Utah Bar Directory of Attorneys - Utah State Bar
Vermont
The Green Mountain State, here is your guide: How to Answer Summons for Debt Collection in Vermont.
Vermont Rules of Civil Procedure
Deadline for answering a debt collection summons
30 days of the date the Complaint was mailed
Answer to Complaint Forms
Attorney directory
Find a lawyer - Vermont Association for Justice
Virginia
This process is different in Virgina. Read up on it here: How to Answer a Summons for Debt Collection in Virginia.
Virginia Rules of Civil Procedure
Deadline for answering a debt collection summonss
21 days
Answer to Complaint Forms
Court case search
Attorney directory
Member Directory Search - Virginia State Bar
Washington
Washington, may you be ever green. Here is your guide: How to Answer a Summons for Debt Collection in Washington.
Washington Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
West Virginia
The Mountain State, here is your guide: How to Answer a Summons for Debt Collection in West Virginia.
West Virginia Rules of Civil Procedure
Deadline for answering a debt collection summonss
Answer to Complaint Forms
Attorney directory
Membership Directory Search | The West Virginia State Bar
Wisconsin
Y'all have the best cheese, so we made you a guide: How to Answer a Summons for Debt Collection in Wisconsin.
Wisconsin Rules of Civil Procedure
Deadline for answering a debt collection summons
20 days (45 days for some torts)
Answer to Complaint Forms
Answer and Counterclaim (Small Claims) (Summary)
Court case search
Attorney directory
Lawyer Search - State Bar of Wisconsin
Wyoming
With National Parks galore (seven, to be exact!), here's your guide: How to Respond to a Debt Collection Summons in Wyoming
Wyoming Rules of Civil Procedure
Deadline for answering a debt collection summons
20 days – if served in the state
30 days – if served outside of the state
Answer to Complaint Forms
Court case search
Attorney directory
A-Z Lawyer Directory - Wyoming State Bar
Sample Answer to a Debt Collection Complaint
Some people ask us what our Answer looks like. Here's what a SoloSuit Answer looks like. Our underlying document is created by professional litigation attorneys. It is battle tested, too. It is one of the most commonly filed documents in court across the US.
Why Does My State Charge an Answer Filing Fee?
Unfortunately, some state courts charge an Answer filing fee. Those states and the fee ranges are shown below.
We find the practice of courts charging an Answer filing fee to be absurd. It is one of the biggest impediments to justice in the United States.
If your court charges a filing fee, we'll let you know. We automatically calculate your filing fee, make it easy for you to pay it, and make sure that payment gets to your court.
What Comes After a Civil Summons for Debt Collection?
The Summons is just the beginning. A series of documents can come after, and even before the Summons. The diagram below shows the possible paths of documents in a debt collection lawsuit.
Here is our recommended path to victory. If the collector sends you a Debt Collection Letter, respond with a Debt Validation Letter. There is a good chance they can't validate the debt; if they can't, you win.
If they think they can validate the debt, then a good debt validation letter will force them to sue you to collect on the debt, at which point they'll send you a Complaint and Summons. You should respond with an Answer. If you don't, you'll lose.
Once you've filed an Answer, there are three likely outcomes. One, the collectors give up and file a Motion to Dismiss: you super win. Two, you or the collector makes a settlement offer. In a settlement, the defendant ends up paying less than they're being sued for: so, in effect, you win. Three, litigation continues. In this scenario, the collector usually starts discovery by filing a Request for Admissions or something similar. You then need to respond with a Response to Request for Admission, and the case can go on indefinitely: it's unclear who will win or lose in this scenario.
Frequently Asked Questions
What are a Summons and Complaint in a debt lawsuit?
A Summons is a document stating a lawsuit has been filed, while a Complaint details the specific reasons for the lawsuit. These documents initiate a debt collection lawsuit against a defendant. In certain jurisdictions, such as Texas, they are referred to as a Citation and Petition.
How should a defendant respond to the numbered paragraphs in a Complaint?
A defendant must respond to each paragraph by admitting the allegation, denying it, or denying it due to a lack of sufficient knowledge. Denying allegations forces the opposing party to prove the claims. The chosen response must be written into the formal Answer document.
What is an affirmative defense in a debt collection lawsuit?
An affirmative defense is a legal reason why the party filing the lawsuit does not have a valid case. These defenses must be listed in the initial Answer document. Failure to assert affirmative defenses immediately prohibits a defendant from bringing them up later in the legal proceedings.
What is the correct procedure for filing an Answer document?
The correct procedure requires printing two physical copies of the completed Answer document. One copy must be mailed to the court, and the second copy must be mailed to the plaintiff's attorney. The attorney's mailing address is located on the original Summons and Complaint documents.
Are there fees associated with filing an Answer to a debt lawsuit?
Yes, specific state courts require a filing fee to submit an Answer document. These fees vary widely depending on the jurisdiction and the specific court handling the case. Certain defendants may qualify for a fee waiver, which eliminates this financial requirement entirely.
What happens after an Answer is filed in a debt collection lawsuit?
The case proceeds to one of three primary outcomes: a case dismissal, a financial settlement, or continued litigation. Continued litigation typically begins with the discovery phase, where the plaintiff may file a Request for Admissions that requires a formal legal response.
How to Answer a Summons for debt collection in all 50 states
Here's a list of guides on how to respond to a debt collection lawsuit in each state:
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
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Are you being contacted by a debt collector? We're making guides on how to resolve debt with each one.
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- CSIEZPay
- C Tech
- CVCS
- D&A Services
- Daniels Norelli Cecere & Tavel P.C.
- DCM Services
- Delta Outsource Group
- Department Stores National Bank
- Designed Receivable Solutions
- Discover
- Discover
- Discover Collections
- Direct Recovery Associates
- Diversified Adjustment
- Diversified Consultants
- Diversified Recovery Bureau
- DNF Associates LLC
- Dodeka LLC
- DRS Credit
- Dynamic Collectors
- Eagle Accounts Group Inc.
- Eagle Loan of Ohio
- Eastern Revenue Settlement
- Eastern Account System
- EduCap
- Encore Capital Group
- EOS CCA
- Equable Ascent Financial
- Equinox Collections
- ER Solutions
- Estate Information Services
- Everest Business Funding
- Evergreen Professional
- Express Recovery
- Faber and Brand
- FBCS
- FCO Collections and Outsourcing
- FIA Card Services
- Financial Recovery Services
- First Financial Bank
- First Federal Credit Credit Control
- First Financial Asset Management
- FirstPoint Collection Resources
- FirstPoint Coll Resources Inc.
- First Portfolio Ventures LLC
- Firstsource Advantage
- First Progress
- FNB Omaha
- FMA Alliance
- Forster & Garbus
- Franklin Collection Services
- Freedom Plus
- Frontline Asset
- Frost Arnett
- Galaxy International Purchasing LLC
- GC Debt Collection
- GC Services
- General Revenue Corporation
- Glass Mountain Capital
- Glasser and Glasser
- Global Credit Collection Corp
- Global Lending Services
- Global Payments Check Services
- Global Trust Management
- GLA Collections
- GMAC Financing
- Golden 1 Credit Union
- Grant and Weber
- Grant Mercantile Agency
- Gulf Coast Collection Bureau
- Gurstel Law Firm
- H&R Accounts
- Halsted Financial Services
- Harris and Harris
- Harvard Collection
- Harvest Credit Management
- Helvey and Associates
- Hollis Cobb
- Holloway Credit Solutions
- Howard Lee Schiff
- HRRG Collections
- Hudson & Keyse LLC
- Hunt and Henriques
- Hunter Warfield
- IC System
- Impact Receivables Management
- Innovative Recovery
- InPhyNet Contracting Services
- Integras Capital Recovery LLC
- IQ Data
- Javitch Block
- Jefferson Capital Systems LLC
- JHPDE Finance 1 LLC
- Johnson Mark LLC
- JPMCB Card
- JP Receivables Management Partners
- Kenneth Eisen and Associates
- KeyBank Student Loan
- Kinum
- Kirschenbaum Phillips & Levy PC
- KLS Financial Services
- Knight Adjustment Bureau
- Kramer & Frank
- Lakeside Collection
- Law Office of Michael J Scott
- Lending Club Charge Off
- Lincoln and Morgan Kabbage
- Linebarger Goggan Blair & Sampson LLP
- LJ Ross Associates
- Lockhart Collection Agency
- Lockhart Morrand Montgomery
- Love Beal and Nixon
- LTD Collections
- LVNV
- LVNV Funding
- Malen & Associates
- Mandarich Law Group
- Marcam Associates
- Mariner Finance
- MARS Inc. Collections
- MBA Law
- MCA Management Company
- McCarthy Burgess & Wolff
- Meade & Associates
- Medical Data Systems
- Mercantile Adjustment Bureau
- Merchants Credit Association
- Merchants' Credit Guide
- MGM
- Michael J Adams PC
- Midland Funding
- Midland Funding LLC
- Mid-South Adjustment
- MiraMed Revenue Group
- Monarch Recovery
- Monterey Financial
- Moore Law Group
- Moss Law Firm
- Mountain Land Collections
- Moxley and Associates
- MRS Associates
- MRS BPO
- MSCB Inc.
- MSW Capital LLC
- Mullooly Jeffrey Rooney & Flynn
- Nathan and Nathan PC
- National Credit Adjusters
- National Credit Systems
- National Collegiate Trust
- National Enterprise Systems
- National Recovery Agency
- National Recovery Solutions
- Nations Recovery Center
- National Service Bureau Collections
- Nationwide Credit
- Nationwide Recovery Services
- Nationwide Recovery Systems
- Northland Group
- Northstar Location Services
- Navient
- Navy Federal
- NCB Management Services
- NCEP LLC
- NCO Financial Systems Incorporated
- Nelson and Kennard
- North American Recovery
- Northstar Capital Acquisition
- NPAS Solutions
- Online Information Services
- OneMain Financial
- Old Navy Credit Card Debt
- Oliphant Financial LLC
- Oportun
- P&B Capital Group
- Palisades Collection LLC
- Pallida LLC
- Paragon Contracting Services
- Paragon Revenue Group
- Paragon Revenue Group
- Paramount Recovery
- PayPal Synchrony Card
- Payliance Collections
- PCB Collections Agency
- Pendrick Capital Partners
- Penn Credit
- Perdue Brandon
- Persolve LLC
- Pharia LLC
- Phillips & Cohen Associates
- Phoenix Financial Services
- Pinnacle Collections Agency
- Pioneer Credit Recovery
- PlusFour Collections
- Portfolio Recovery
- Portfolio Recovery Associates
- Portfolio Recovery Associates
- PRA Group Inc.
- Prestige Services Inc.
- Prince Parker and Associates
- ProCollect
- Professional Credit Service
- Professional Debt Mediation
- Professional Finance Company
- Progressive Management Systems
- Puget Sound Collections
- ProVest LLC
- PYOD LLC
- RAB Collection Agency
- Radius Global SOL
- Radius Global Solutions
- Rash Curtis and Associates
- RAS LaVrar
- Rausch Sturm
- The Rawlings Company
- Razor Capital
- Real Time Resolutions
- Receivables Management Services
- Receivables Performance Management
- Receivable Solutions
- Recovery Solutions
- Regional Finance
- Reliant Capital Solutions
- Rent Recovery Solutions
- Resurgent Capital Services
- Resurgent Capital Services
- Retailers National Bank
- Reunion Student Loan Finance Corporation (ZuntaFi)
- Revco Solutions
- Revenue Enterprises LLC
- RFGI
- RGS Financial Inc.
- RMP LLC
- RMP Services
- Rock Creek Capital
- RS Clark and Associates
- RSIEH
- RSI Enterprises
- RTR Financial Services
- Rubin & Rothman
- Salander Enterprises LLC
- SCA Collections
- Scott and Associates
- Second Round Collections
- Second Round Sub LLC
- Security Credit Services
- Selip & Stylianou LLP
- Sentry Credit
- Sequium Asset Solutions
- Sessoms and Rogers
- SIMM Associates
- Source Receivables Management
- South District Group
- Southern Management Systems
- Southwest Credit Systems
- Southwest Recovery Services
- Spire Recovery Solutions
- Summit Account Resolution
- Stark Collection Agency
- State Collection Service
- Stenger and Stenger PC
- Stephen Einstein
- Stillman Law Office
- Summit Account Resolution
- Sunrise Credit Services
- Superlative RM
- Suttell and Hammer
- Swift Funds Financial
- Synchrony Bank
- Synchrony Walmart Card
- Synergetic Communication
- Synerprise Consulting
- SYNCB
- Target National Bank
- Tek-Collect Inc
- Transworld Systems Inc
- Trellis Company
- Trident Asset Management
- Troy Capital
- TRS Recovery Services
- TrueAccord
- UCB Collection
- UCB Collection
- UCHealth
- UHG 1 LLC
- Unifin
- Unifin
- Unifund
- United Collection Bureau
- United Recovery Systems
- Universal Credit Services
- USAA Collections
- US Bank Collections
- USCB America
- Valentine and Kebartas
- Valley Servicing
- Vance & Huffman LLC
- Velocity Investments LCC
- Velo Law Office
- Viking Client Services
- Virtuoso Sourcing Group
- Wakefield and Associates
- Waypoint Resource Group
- WebBank
- Weinberg and Associates
- Wells Fargo
- Wells Fargo Bank
- Westlake Financial
- Weltman Weinberg & Reis
- West Central Texas Collection Bureau
- Westlake Portfolio Management
- Westwood Funding
- WFDS
- Wilber and Associates
- Williams and Fudge
- Wilshire Consumer Credit
- Works and Lentz
- Worldwide Asset Purchasing
- Zarzaur & Schwartz
- Zwicker & Associates
Arbitration
If the thought of going to court stresses you out, you're not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.
Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.
- How Arbitration Works
- How Credit Card Arbitration Works
- How to Find an Arbitration Clause in Your Credit Agreement
- How to Make a Motion to Compel Arbitration
- How to Make a Motion to Compel Arbitration in Florida
- How to Make a Motion to Compel Arbitration Without an Attorney
- Motion to Compel Arbitration in California
- Sample Motion to Compel Arbitration
- What Happens in Arbitration?
Bankruptcy
Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.
- Can You Sue Someone Who Has Filed Chapter 7 Bankruptcy?
- How to File Bankruptcy for Free Without an Attorney
- How to File Chapter 13 Without an Attorney
- Pros and Cons of Chapter 7 Bankruptcy
- Should I File Bankruptcy Before or After a Judgment?
- The Pros and Cons of Chapter 13 Bankruptcy
- Will Bankruptcy Stop a Judgment?
Check your case status
Don't have time to go to your local courthouse to check the status of your case? We've created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.
- Alabama Court Case Search—Find Your Lawsuit
- Arizona Court Case Search - Find Your Lawsuit
- Arkansas Court Case Search — Find Your Lawsuit
- California Court Case Search- Find Your Lawsuit
- Colorado Court Case Search — Find Your Lawsuit
- Connecticut Case Lookup — Find Your Court Case
- Delaware Court Case Search — Find Your Lawsuit
- Florida Court Case Search — Find Your Lawsuit
- Georgia Court Case Search — Find Your Lawsuit
- Illinois Court Case Search — Find Your Lawsuit
- Indiana Court Case Search — Find Your Lawsuit
- Illinois Court Case Search — Find Your Lawsuit
- Indiana Court Case Search — Find Your Lawsuit
- Kansas Court Case Search — Find Your Lawsuit
- Kentucky Court Case Search — Find Your Lawsuit
- Louisiana Court Case Search — Find Your Lawsuit
- Maryland Court Case Search — Find Your Lawsuit
- Massachusetts Court Case Search — Find Your Lawsuit
- Michigan Court Case Search — Find Your Lawsuit
- Mississippi Court Case Search — Find Your Lawsuit
- Missouri Court Case Search — Find Your Lawsuit
- Nebraska Court Case Search — Find Your Lawsuit
- Negotiate Debt With Crown Asset Management
- Nevada Court Case Search — Find Your Lawsuit
- New Hampshire Court Case Search — Find Your Lawsuit
- New Jersey Court Case Search—Find Your Lawsuit
- New York Case Search — Find Your Lawsuit
- North Carolina Court Case Search — Find Your Lawsuit
- Ohio Court Case Search — Find Your Lawsuit
- Oklahoma Court Case Search — Find Your Lawsuit
- Oregon Court Case Search — Find Your Lawsuit
- Pennsylvania Court Case Search — Find Your Lawsuit
- South Carolina Court Case Search — Find Your Lawsuit
- Tennessee Court Case Search — Find Your Lawsuit
- Texas Court Case Search — Find Your Lawsuit
- Utah Court Case Search — Find Your Lawsuit
- Vermont Court Case Search — Find Your Lawsuit
- Virginia Court Case Search — Find Your Lawsuit
- Washington Court Case Search — Find Your Lawsuit
- West Virginia Court Case Search — Find Your Lawsuit
- Wisconsin Court Case Search — Find Your Lawsuit
Credit
Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.
- 3 Crazy Credit Card Debt Stories
- Beware of Credit Repair Advance Fees
- Can a Credit Card Company Sue Me?
- Can I Pay My Original Creditor Instead of a Debt Collection Agency?
- Can You Go to Jail for Credit Card Debt?
- Credit Card Debt Forgiveness Because of Disability
- Credit Card Debt Statistics
- Credit Repair Scam
- How I Won My Credit Card Debt Lawsuit (Interview)
- How Long Do Creditors Have to Collect a Debt from an Estate?
- How Often Do Credit Card Companies Sue for Non-Payment?
- How Often Does Merrick Bank Increase Your Credit Limit?
- How to Liquidate Credit Cards Into Cash
- How to Raise My Credit Score 40 Points Fast
- How to Remove Avantus From Your Credit Report
- How to Remove CBCInnovis From Your Credit Report
- How to Remove Fox Collection Center From Your Credit Report
- How to Walk Away from Credit Card Debt
- Is Credit Karma Accurate?
- Respond to a Summons for Credit Card Debt
- Should I Use Credit Journey?
- Stop Paying Credit Card Debt and Stop Worrying About It
- Summary of the Equifax Data Breach Settlement
- Tips for Leaving the Country With Unpaid Credit Card Debt
- Understanding myFICO: Your Gateway to Better Credit
- What Bank Is Behind Best Buy's Credit Card?
- What Bank is Milestone Credit Card With?
- What Bank Issues Kohl's Credit Card?
- What Bank Owns Old Navy Credit Card?
- What Credit Bureau does Aqua Finance Use?
- What Credit Bureau Does Truliant Use?
- What Does Credit Glory Do?
- What Does "DLA" Mean on a Credit Report?
- What is a Credit Inquiry Factual Data?
- What Is a Creditor Legally Required to Do if You Dispute a Debt?
- What Is A Good Credit Score For Businesses?
- What Is Assetcare on My Credit Report?
- What is CBNA on my credit report?
- What Is COAF On My Credit Report? How to Settle Debt
- What is CreditFresh?
- What is Factual Data On My Credit Report?
- Which Bank Does Macy's Credit Card Use?
- Why is THD/CBNA on my credit report?
Debt collection FAQs
Find answers to some of our the most commonly-asked questions about debt collection below.
- Am I Responsible for My Husband's Debts If We Divorce?
- Am I Responsible for My Parent's Debt if I Have Power of Attorney?
- Can a Collection Agency Add Fees on the Debt?
- Can a Collection Agency Charge Interest on a Debt?
- Can a Debt Collector Freeze Your Bank Account?
- Can a Debt Collector Leave a Voicemail?
- Can a Debt Collector Take My Car in California?
- Can Debt Collectors Call From Local Numbers?
- Can Debt Collectors Call You at Work in Texas?
- Can Debt Collectors Call Your Family?
- Can Debt Collectors Leave Voicemails?
- Can Debt Collectors Lie to You?
- Can I Pay a Debt Before the Court Date?
- Can I Rent an Apartment if I Have Debt in Collection?
- Can You Appeal a Default Judgement?
- Can You Get Unemployment if You Quit?
- Can You Go to Jail for a Payday Loan?
- Can You Record a Call with a Debt Collector in Your State?
- Can You Serve Someone with a Collections Lawsuit at Their Work?
- Do Debt Collectors Ever Give Up?
- Does a Living Trust Protect Your Assets from Lawsuits?
- Does Chase Sue for Credit Card Debt?
- Does Debt Consolidation Have Risks?
- Does Midland Funding Show Up to Court?
- Do I Need a Debt Collection Defense Attorney?
- Do I Need a Debt Negotiator?
- Do Student Loans Go Away After 7 Years?
- How Does a Flex Loan Work?
- How Does Debt Assignment Work?
- How Does Finwise Bank Work?
- How does Navy Credit debt forgiveness work?
- How Does Payments.tsico Work?
- How Do I Find Out If I Have Any Judgments Against Me?
- How Do I Get Rid of a Judgment Lien on My Property?
- How Do You Demonstrate Financial Hardship?
- How long do debt collectors take to respond to debt validation letters?
- How Long Does a Judgment Last?
- How Long Does a Judgment Last in Florida?
- How Long Does a Judgment Last in NY?
- How Long Does a Judgment Stay Last in Texas?
- How Long Does a Judgment Stay on Your Credit Report?
- How Long Does a Levy Stay on a Bank Account?
- How Long Does A RentGrow Dispute Take?
- How Long is a Judgment Good For in California?
- How Many Calls from a Debt Collector is Considered Harassment?
- How Many Times Can a Judgment Be Renewed in North Carolina?
- How Many Times Can a Judgment be Renewed in Oklahoma?
- How Much Do Collection Agencies Pay for Debt?
- How Should You Respond to the Theft of Your Identity?
- Is it Legal for Debt Collectors to Call Family Members?
- Is it Smart to Consolidate Debt?
- Is My Case in the Right Venue?
- Is Severance Pay Taxable?
- Is SoloSuit Worth It?
- Is Someone with Power of Attorney Responsible for Debt After Death?
- Is the NTB Credit Card Safe?
- Is There a Judgment Against Me Without my Knowledge?
- Should I Hire a Civil Litigation Attorney?
- Should I Hire a Litigation Attorney?
- Should I Marry Someone With Debt?
- Should I Pay Off an Old Apartment Debt?
- Should I Send a Demand Letter Before a Lawsuit?
- Should You Communicate with a Debt Collector in Writing or by Telephone?
- SoloSuit FAQ
- What Does a Debt Collector Have to Prove in Court?
- What Does Payment Deferred Mean?
- What Happens After a Motion for Default Is Filed?
- What Happens After I File an Answer to My Debt Lawsuit?
- What Happens If Someone Sues You and You Have No Money?
- What Happens If You Ignore a Debt Collector?
- What Happens If You Never Answer Debt Collectors?
- What Happens When a Debt Is Sold to a Collection Agency
- What Happens When You Get Served Papers for Debt?
- What Is a Rule 3.740 Collections Defense in California?
- What Is Debt Protection?
- What Is the Minimum Amount That a Collection Agency Will Sue For?
- What states require a professional licensing number for debt collectors?
- What Is T-Mobile's Phone Number for Debt Collection?
- When an LLC Fails What Happens to Its Debts?
Debt collection documents and templates
If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.
- Debt Validation Letter Template
- Do 609 Letters Really Work?
- Here's a Sample Letter to Collection Agencies to Settle Debt
- How to Make a 609 Letter That Really Works
- How to Make a Debt Validation Letter - The Ultimate Guide
- How to Make a Fair Debt Collection Practices Act Demand Letter
- How to Make a Motion to Dismiss
- How to Make a Motion to Lift Stay
- How to Make a Motion to Vacate Judgment
- How to Make Motion to Set Aside — Ultimate Guide
- How to send Santander a settlement letter
- How to Write a Hardship Letter
- How to Write a Re-Aging Debt Letter
- Sample Answer to Summons for Credit Card Debt Lawsuit
- Sample Cease and Desist Letter Against Debt Collectors
- Sample credit report dispute letter
- Sample Letter to Remove a Charge-Off from Your Credit Report
- Template Cease and Desist Letters to Debt Collectors
- Use this Sample Answer to Summons for Credit Card Debt
- When to Send a Judgment Proof Letter
Debt relief
We've created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.
- Debt Relief Programs
- How to Access Free Debt Relief
- How to Get Credit Card Debt Relief
- How to Get Debt Relief in Alabama
- How to Get Debt Relief in Arizona
- How to Get Debt Relief in Kentucky
- How to Get Debt Relief in North Carolina
- How to Get Debt Relief in North Dakota
- How to Get Debt Relief in Ohio
- How to Get Debt Relief in Oklahoma
- How to Get Debt Relief in Oregon
- How to Get Debt Relief in Rhode Island
- How to Get Debt Relief in Texas
- How to Get Debt Relief (Ultimate 50 State Guide)
- How to Get Relief From a Gambling Debt
- If You Are Using a Debt Relief Agency Can You Settle Yourself with the Creditor?
- Obama Credit Card Debt Relief Program – How to Use It
- What Is Discover's 60/60 plan?
- What is Synchrony Bank's Hardship Program?
- Who is Over the Loan Forgiveness Program at KHESLC?
Debt settlement
Debt settlement is one of the most effective ways to resolve a debt and save money. We've created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.
- 5 Signs of a Debt Settlement Scam
- Accredited Debt Relief Debt Settlement Reviews
- Best Debt Settlement Companies
- Brite Solutions Debt Settlement Reviews
- Can I Settle a Debt After Being Served?
- Can I Settle a Debt with the Original Creditor?
- Can I Still Settle a Debt After Being Served?
- Can You Settle a Warrant in Debt Before Court?
- Can You Settle Student Loan Debt?
- Century Debt Settlement Reviews
- CuraDebt Debt Settlement Review
- Debt Collectors Want to Settle Outside Court
- Debt Settlement Explained by a Lawyer
- Debt Settlement Pros and Cons
- Do I Need to Hire a Debt Settlement Lawyer?
- Do You Need a Debt Settlement Attorney in Houston Texas?
- Global Holdings Debt Settlement Reviews
- How Can I Settle My Credit Card Debt Before Going to Court?
- How Long Does It Take to Improve My Credit Score After Debt Settlement?
- How Much Do Settlement Companies Charge?
- How to File a Motion to Enforce Settlement Agreement
- How to Legally Settle Debt in 5 Steps
- How to Make a Cypress Financial Recoveries Settlement Offer
- How to Make a Debt Settlement Agreement
- How to Negotiate a Debt Settlement with a Law Firm
- How to Negotiate Credit Card Debt Settlement Yourself
- How to Negotiate Debt Settlement on Your Own
- How to Settle a Debt in Arizona
- How to Settle a Debt in Arkansas
- How to Settle a Debt in Colorado
- How to Settle a Debt in Delaware
- How to Settle a Debt in Florida
- How to Settle a Debt in Hawaii
- How to Settle a Debt in Idaho
- How to Settle a Debt in Illinois
- How to Settle a Debt in Kansas
- How to Settle a Debt in Kentucky
- How to Settle a Debt in Michigan
- How to Settle a Debt in Minnesota
- How to Settle a Debt in Mississippi
- How to Settle a Debt in Missouri
- How to Settle a Debt in Montana
- How to Settle a Debt in Nebraska
- How to Settle a Debt in Nevada
- How to Settle a Debt in New Hampshire
- How to Settle a Debt in New Jersey
- How to Settle a Debt in North Carolina
- How to Settle a Debt in Ohio
- How to Settle a Debt in Oklahoma
- How to Settle a Debt in Pennsylvania
- How to Settle a Debt in South Dakota
- How to Settle a Debt in Tennessee
- How to Settle a Debt in Texas
- How to Settle a Debt in Utah
- How to Settle a Debt in Wyoming
- How to Settle Debt for Pennies on the Dollar
- How to Settle Debt in 3 Steps
- If I Settle with a Collection Agency Will It Hurt My Credit?
- Infinite Law Group Debt Settlement Reviews
- Is Freedom Debt Relief a Scam?
- JG Wentworth Debt Settlement Reviews
- Largest Debt Settlement Companies
- National Debt Relief Debt Settlement Reviews
- New Era Debt Settlement Reviews
- Palisade Legal Group Debt Settlement Reviews
- Should I Settle a Collection or Pay in Full?
- TurboDebt Debt Settlement Reviews
- Turnbull Law Group Debt Settlement Reviews
- What Happens if I Reject a Settlement Offer?
- What Happens if You Don't Pay a Debt Settlement?
- What Happens When You Settle a Debt?
- What Is A Debt Settlement Agreement?
- What Percentage of a Debt is Typically Accepted in a Settlement?
- What Percentage Should I Offer to Settle Debt?
- What to Ask for in a Settlement Agreement
Eviction
Facing an eviction? The following guides will help you navigate your situation with confidence.
- How Long Does an Eviction Stay on Your Record?
- How to Drag Out an Eviction
- How to Fight an Eviction
- How to Make an Eviction Appeal
- Can an Eviction Be Reversed?
- Oregon Eviction Laws - What They Say
- Read This if You're Being Evicted With Children
- Received a 3-Day Eviction Notice? Here's What To Do
- What Happens if a Tenant Wins an Eviction Lawsuit?
- What to Say When You're in Court for Eviction
- When Is My Rent Due Legally?
Federal debt collection laws
Knowing your rights makes it easier to stand up for your rights. Below, we've compiled all our articles on federal debt collection laws that protect you from unfair practices.
- 15 USC 1692 Explained
- Credit Card Debt Forgiveness Act Explained
- FDCPA Violations List
- How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
- Sequium Class Action Lawsuit for FDCPA Violations Dismissed
- USC 15 Section 1662(b) Explained
- What Are My Debt Collection Rights?
- What Debt Collectors Cannot Do — FDCPA Explained
- What Does Account Information Disputed by Consumer Meets FCRA Requirements Mean?
- What does FCRA stand for?
Legal aid
Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.
- 5 Legal Aid Organizations That Are Crushing It
- Acceleration Clause — Definition
- Bar Associations for All 50 States
- Certificate of Debt: A Definition
- Community Legal Services Provides Legal Aid to Florida Residents
- Countersuing a Company: A Step-By-Step Guide
- Defendant - Definition and Everything You Need to Know
- Difference Between a Trial and a Hearing
- Hearing Vs. Trial
- Fruit of the Poisonous Tree
- How to Find the Attorney That is Suing You (Secret)
- How to Dispute a False Positive Drug Test
- How to Fight a Motion for Relief From Automatic Stay
- How to File a Civil Answer in Kings County Supreme Court
- How to File a Civil Answer With the Duval Clerk of Courts - Florida
- How to File a Motion to Extend Time
- How to File a Motion to Set Aside Judgment
- How to File in Bergen County Superior Court
- How to File in Deschutes County Circuit Court
- How to File in Oregon Small Claims Court
- How To Fill Out the PLD-C-001
- How to get a case dismissed without prejudice on statute of limitations
- How to Hire a Mediator
- Can a Process Server Leave a Summons Taped to My Door?
- How to Satisfy a Judgment
- How to Use the Doctrine of Unclean Hands
- Irrevocable Agreement — Defined
- Lawsuit Deadline Calculator (The best one!)
- Legal Support Services for Debt Collection
- Mastriani Law Firm Review
- Mediation - Definition
- Motion for Default Judgment - Everything You Need to Know
- Motion for Summary Judgment — Definition
- Plaintiff vs Defendant — What's the difference
- Probable Cause Hearing — Definition
- Restitution – Definition
- Summons—Definition
- What Happens at a Motion for Summary Judgment Hearing?
- What Happens During Discovery?
- What Happens If a Defendant Does Not Pay a Judgment?
- What Happens If a Process Server Can't Serve You?
- What Happens If You Avoid Getting Served Court Papers?
- What If an Order for Default Was Entered?
- What If a Summons Was Served to the Wrong Person?
- What If the Wrong Defendant Is Named in a Lawsuit?
- What Is a Case Number?
- What is a Certificate of Judgment in Ohio?
- What Is a Certificate of Service?
- What Is a Civil Chapter 61 Warrant?
- What Is a Consent Judgment?
- What is a default judgment?— What do I do?
- What is a Lien Release on a Car?
- What Is a Motion to Strike?
- What Is a Motion to Suppress?
- What is an Affirmative Defense?
- What Is an Assignment of Debt?
- What Is an Attorney Malpractice Lawsuit?
- What Is a Nonsuit Without Prejudice?
- What Is a Preliminary Hearing?
- What Is a Request for Dismissal?
- What is a Stipulated Judgment?
- What Is a Warrant in Debt?
- What is it Called When You Represent Yourself in Court?
- What is Moral Turpitude?
- What is sewer service?
- What Is Summary Judgment?
- What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?
- What is the Status of My Case?
- What Personal Property Can Be Seized in a Judgment?
- What to Consider Before Signing a Stipulated Judgment The Ultimate Guide
- What to do when you get a fake court summons or phone call
- Why Being Judgment Proof Is Not a Defense to a Lawsuit
- Why Do Lawyers Charge So Much?
- Why Is the Sheriff Looking for Me?
- Why Would a Sheriff Come to My House with Papers?
Medical debt
Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.
- Am I Responsible for My Spouse's Medical Debt?
- Can Medical Debt Collectors Sue?
- Do I Need a Lawyer for Medical Bills?
- How Much Do Collection Agencies Pay for Medical Debt?
- How to Find Medical Debt Forgiveness Programs
- Is There a Statute of Limitations on Medical Bills?
- Medical Debt Statute of Limitations by State
- Medicredit — How to Settle Your Debt
- New Maine Medical Debt Collection Laws
- New York Changes Medical Debt Collection Laws
- Optimum Outcomes Violates Medical Debt Collection Laws
- Summoned to Court for Medical Bills — What Do I Do?
- Summoned to Court for Medical Bills? What to Do Next
Personal finance
Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.
- 5 Expenses You Can Cut to Save Money and Pay Off Debt
- 7 Things to Consider When Taking a Student Loan
- 3 Things to Know About Bright Lending
- Americor Debt Consolidation Review: Will It Work For You?
- ACE Cash Express Personal Loan Review
- Cambridge Debt Consolidation Review
- Advance America Loan Review
- BMG Money Loan Review
- BMO Harris Bank Review: Pros and Cons
- CashNetUSA Review
- Click N Loan Reviews
- Debt Eraser Review
- Golden 1 Credit Union Personal Loan Review
- How to Find My Bridgecrest Login
- How to Generate Passive Income
- How to Get Out of a Bridgecrest Loan
- How to get out of a RISE loan
- How to Get Out of Debt Before Retirement
- How to Get Out of Paying HOA Dues
- How to Handle a Nationstar Foreclosure
- How to liquidate your assets to pay off debt
- How to Pay off Your Destiny Credit Card
- How to Recover from a Negative Bank Balance
- How to Travel Without Falling into Debt: Embracing the "Workcation"
- iLending Reviews
- LoanMart Reviews
- Luxury on a Budget: 10 Ways to Have Luxury Experiences While Managing Debt
- Milestone ® Mastercard ® Review
- Mission Lane Credit Card Reviews
- ModoLoan Review
- My Bank Account is Negative $1 000 — Fix it
- OppLoans Review
- Overcoming College Debt Challenges: Top Strategies for Financial Freedom
- Priority Plus Financial Reviews
- Speedy Cash Loans Review
- Tripoint Lending Reviews
- What Does "Apple Pay Transaction Under Review" Mean?
- What Happens if I Don't Pay Acima?
- What Happens If You Don't Pay Speedy Cash?
- What if I default on an Avant payment
- What Is a Debt-to-Sales Ratio?
- What is Bank of America CashPro?
- What is Bitty Advance?
- What Is Celtic Bank?
- What is Oportun?
State debt collection laws
Debt collection laws vary by state, so we have compiled a guide to each state's debt collection laws to make it easier for you to stand up for your rights—no matter where you live.
- Debt Collection Laws in Alabama
- Debt Collection Laws in Alaska
- Debt Collection Laws in Arizona
- Debt Collection Laws in Arkansas
- Debt Collection Laws in Colorado
- Debt Collection Laws in Connecticut
- Debt Collection Laws in Delaware
- Debt Collection Laws in Florida
- Debt Collection Laws in Georgia
- Debt Collection Laws in Hawaii
- Debt Collection Laws in Idaho
- Debt Collection Laws in Illinois
- Debt Collection Laws in Indiana
- Debt Collection Laws in Iowa
- Debt Collection Laws in Kansas
- Debt Collection Laws in Kentucky
- Debt Collection Laws in Louisiana
- Debt Collection Laws in Maryland
- Debt Collection Laws in Michigan
- Debt Collection Laws in Mississippi
- Debt Collection Laws in Missouri
- Debt Collection Laws in Montana
- Debt Collection Laws in Nebraska
- Debt Collection Laws in Nevada
- Debt Collection Laws in New Hampshire
- Debt Collection Laws in New Jersey
- Debt Collection Laws in New Mexico
- Debt Collection Laws in New York
- Debt Collection Laws in North Carolina
- Debt Collection Laws in North Dakota
- Debt Collection Laws in Ohio
- Debt Collection Laws in Oklahoma
- Debt Collection Laws in Oregon
- Debt Collection Laws in Pennsylvania
- Debt Collection Laws in Rhode Island
- Debt Collection Laws in South Carolina
- Debt Collection Laws in South Dakota
- Debt Collection Laws in Tennessee
- Debt Collection Laws in Vermont
- Debt Collection Laws in Virginia
- Debt Collection Laws in Washington
- Debt Collection Laws in West Virginia
- Debt Collection Laws in Wisconsin
- Debt Collection Laws in Wyoming
- Kentucky Debt Collection Laws — What You Need to Know
- Massachusetts Debt Collection Laws – What They Say
- Texas Debt Collection Laws Protect You
- Utah Debt Collection Laws
- California's Rosenthal Fair Debt Collection Practices Act Explained
Statute of limitations on debt
Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state's statutes and more.
- Statute of Limitations—Definition and Everything You Need to Know
- Alaska Statute of Limitations on Debt
- Arkansas Statute of Limitations on Debt
- Colorado Debt Collection Statute of Limitations (Complete Guide 2026)
- Can the Statute of Limitations be Extended?
- Delaware Statute of Limitations on Debt
- Illinois Statute of Limitations on Debt Collection
- Indiana Statute of Limitations on Debt
- Kansas Statute of Limitations on Debt Collection
- Louisiana Statute of Limitations on Debt
- Maine statute of limitations on debt
- Michigan Statute of Limitations on Debt
- Mississippi Statute of Limitations on Debt
- Missouri Statute of Limitations on Debt
- New Hampshire Statute of Limitations on Debt
- North Carolina Statute of Limitations on Debt
- North Dakota Statute of Limitations on Debt
- Rhode Island Statute of Limitations on Debt
- South Carolina Statute of Limitations on Debt
- South Dakota Statute of Limitations on Debt Collection
- Statute of Limitations in Oklahoma (Complete Guide 2026)
- Statute of Limitations on Debt Collection by State (Best Guide)
- Statute of Limitations on Debt Collection in Alabama
- Statute of Limitations on Debt Collection in Montana
- Statute of Limitations on Debt Collection in Nebraska
- Statute of Limitations on Debt Collection in New Mexico
- Statute of Limitations on Debt Collection in Texas
- Statute of Limitations on Debt in Arizona
- Statute of Limitations on Debt in California (2026)
- Statute of Limitations on Debt in Connecticut
- Statute of Limitations on Debt in Georgia
- Statute of Limitations on Debt in Hawaii
- Statute of Limitations on Debt in Iowa
- Statute of Limitations on Debt in Maryland
- Statute of Limitations on Debt in Minnesota
- Statute of Limitations on Debt in Nevada
- Statute of Limitations on Debt in New Jersey
- Statute of Limitations on Debt in New York
- Statute of Limitations on Debt in Oregon
- Statute of Limitations on Debt in Oregon (Complete Guide)
- Statute of Limitations on Debt in Pennsylvania
- Statute of Limitations on Debt in Tennessee
- Statute of Limitations on Debt in Utah
- Statute of Limitations on Debt in Virginia
- Statute of Limitations on Debt in Wisconsin
- Statute of Limitations on Florida Debt
- West Virginia Statute of Limitations on Debt
- What Is the Statute of Limitations on Debt in Washington?
- Wyoming Statute of Limitations on Debt Collection
Stop collection calls
Do you keep getting calls from an unknown number, only to realize that it's a debt collector on the other line? If you've been called by any of the following numbers, chances are you have collectors coming after you, and we'll tell you how to stop them.
- 206-922-0880
- 210-520-0146
- 502-267-7522
- 800-289-8004
- 8009556600
- 800-955-6600
- 805-637-7243
- (855) 267-7451
- 855-419-7365
- 877-366-0169
- 888-899-4332
- 888-222-4227
- 888-899-6650
- Collection Agencies Phone Numbers
Wage garnishment
Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.
- Can Credit Card Companies Garnish Your Wages?
- Can Credit Cards Garnish Wages?
- Can I Stop Wage Garnishment?
- Bank Account Garnishment and Liens in Texas
- Can My Wife's Bank Account Be Garnished for My Debt?
- Can Payday Loans Garnish Your Wages?
- Can pensions be garnished?
- Can Private Disability Payments be Garnished?
- Can Private Disability Payments Be Garnished?
- Can Social Security Disability Be Garnished?
- Can You Stop a Garnishment Once It Starts?
- Does Wage Garnishment Affect Credit?
- Guide to Garnishment Limits by State
- How Can I Stop Wage Garnishments Immediately?
- How Long Before a Creditor Can Garnish Wages?
- How Long Does It Take to Get Garnished Wages Back?
- How to Stop a Garnishment
- How to Fight a Wage Garnishment
- How to Stop Student Loan Wage Garnishment
- How to Stop Wage Garnishment — Everything You Need to Know
- Ohio Garnishment Laws — What They Say
- Stop Wage Garnishment in Alabama
- Stop Wage Garnishment in Arizona
- Stop Wage Garnishment in Arkansas
- Stop Wage Garnishment in California
- Stop Wage Garnishment in Connecticut
- Stop Wage Garnishment in Delaware
- Stop Wage Garnishment in Florida
- Stop Wage Garnishment in Idaho
- Stop Wage Garnishment in Indiana
- Stop Wage Garnishment in Iowa
- Stop Wage Garnishment in Kansas
- Stop Wage Garnishment in Kentucky
- Stop Wage Garnishment in Louisiana
- Stop Wage Garnishment in Maine
- Stop Wage Garnishment in Massachusetts
- Stop Wage Garnishment in Minnesota
- Stop Wage Garnishment in Mississippi
- Stop Wage Garnishment in Missouri
- Stop Wage Garnishment in Montana
- Stop Wage Garnishment in Nevada
- Stop Wage Garnishment in New Jersey
- Stop Wage Garnishment in New Mexico
- Stop Wage Garnishment in New York
- Stop Wage Garnishment in North Dakota
- Stop Wage Garnishment in Ohio
- Stop Wage Garnishment in Oklahoma
- Stop Wage Garnishment in Oregon
- Stop Wage Garnishment in Rhode Island
- Stop Wage Garnishment in South Carolina
- Stop Wage Garnishment in South Dakota
- Stop Wage Garnishment in Tennessee
- Stop Wage Garnishment In Texas
- Stop Wage Garnishment In Utah
- Stop Wage Garnishment in Virginia
- Stop Wage Garnishment in Washington
- Stop Wage Garnishment in West Virginia
- Stop Wage Garnishment in Wisconsin
- Stop Wage Garnishment in Wyoming
The Debt Hotline
Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.
- $20,000 in Debt—Will I Go to Jail? | 7-Step Guide To Settling Credit Card Debt
- 5 Tips to Grow Wealth While Managing Debt: Expert Advice from FinTech Innovator
- Can You Negotiate Debt After a Judgment? Expert Attorney Tips
- Can You Negotiate with the IRS? 3 Ways to Resolve Tax Debt
- Debt Relief Consolidation or Settlement | Live Q&A with DebtMD CEO James Lambridis
- How Bankruptcy Affects Your Credit Score (and How to Bounce Back)
- How Bankruptcy Helped Me Start Over After $60,000 of Debt
- How Does the Statute of Limitations on Debt Work? Expert Attorney Explains
- How Much Debt Do I Need to File Bankruptcy With Upsolve Co-Founder Ben Jackson
- How to Avoid Going to Court When Sued for Debt: Attorney Tips for Settlement
- How to Build Family Wealth After Debt: Live Q&A with Tandem CEO Michelle Winterfield
- How to Buy a Home While You're In Debt: Q&A With Mortgage Broker Scott Griffin
- How to Choose the Right Path Out of Debt | Live Q&A with Relief Strategies CEO James Farias
- How to Get a Debt Lawsuit Dismissed: Expert Legal Tips
- How to Legally Settle Debt After Wage Garnishment | Q&A With Greg Anjewierden at Debtbrief
- How to Negotiate with Debt Collectors in 2025: Expert Tips from a Former Collection Attorney
- How to Pay Off Debt in 3-7 Years | Expert Tips From Shred Method's Adam Carroll
- How to Protect Yourself from Predatory Lending
- How to Settle a Debt Collection Lawsuit - Attorney Q&A With John Skiba
- How to Respond to a Debt Collection Letter
- How to Settle a Judgment Debt in 2025: Expert Insights
- I Got Sued for $15k After Borrowing Money to Invest in Crypto
- Is Debt Settlement Right for You? Expert Q&A with TurboDebt's Sheldon Banker
- Medical Debt 101: How to Protect Your Finances and Credit
- Rebuild Your Credit While Paying Off Debt | Q&A with Fintech Pioneer Gwyneth Borden
- What Happens After I File an Answer to My Debt Lawsuit?
- What Stays on My Credit Report After I Settle a Debt? | Q&A With Credit Expert Melinda Carrera
- What To Do When Being Sued for Debt: How to Prevent Default Judgment
Other debt resources
- 3 Reasons Banks Can Freeze Your Account
- Cómo negociar una deuda en colección
- Cómo responder a una demanda civil por deuda
- Debt Collection Agency List (2026)
- Debt Collection Litigation Industry Report 2023
- Debt Collectors are Using AI
- Defending Yourself in Court Against a Debt Collector
- Biggest Debt Collection Agencies
- Guide to Elderly Debt Collection Laws
- Get Help Responding to a Lawsuit
- Help! A Debt Collector Is Calling My Work
- Help! I'm Being Sued by My Debt Collector
- How Not to Pay a Judgment
- How to Appear in Court by Phone
- How to Answer a Lawsuit for Debt Collection
- How to Answer a Summons Without an Attorney
- How to Apply For Unemployment Benefits in Florida
- How to Avoid Getting Served
- How to Beat a Debt Collector in Court
- How to Beat Junk Debt Buyers in Court
- How to Beat Payday Loan Debt Collectors
- How to Cancel a Merrick Bank Credit Card
- How to Cancel an American Eagle Credit Card: A Step-by-Step Guide
- How to Cancel JCPenney Credit Card
- How to cancel service with National Credit Care
- How to Defend Yourself in Court
- How to Discharge a Debt with UCC
- How to Dispute a Debt and Win
- How to Dispute a Debt Collector in 4 Steps
- How to dispute a rental collection
- How to Find Out If You're Being Sued
- How to Find Out What Collection Agency Owns Your Debt
- How to Get a Debt Lawsuit Dismissed in 5 Steps
- How to identify fake and abusive debt collectors
- How to Negotiate Credit Card Debts
- How to Negotiate with Creditors
- How to Negotiate with Debt Collectors
- How to Negotiate a Lien on a House
- How to Respond to a Debt Collection Letter
- How to Respond to a Lawsuit From a Debt Collector
- How to Respond to a Sheriff's Note On Your Door
- How to Respond to Plaintiff's Counsel
- How to Perform Voluntary Repossession
- How To Respond to Request for Admission
- How to Settle Debt with a Reduced Lump Sum Payment
- Can a Judgment Creditor Take my Car?
- How to Settle Credit Card Debt When a Lawsuit Has Been Filed
- I am being sued because my identity was stolen - What do I do?
- If a Car is Repossessed Do I Still Owe the Debt?
- I Got Sued Because of Credit Card Fraud—How I Beat American Express in Court
- I'm in Debt With No Job and No Money – What to Do
- Liquidated Debt vs. Unliquidated Debt
- Lloyd & McDaniel acquires Cooling & Winter
- National Debt Relief Screwed Me — What to Do Next
- Nicholas Financial sued for violating debt collection laws
- Nonsuit vs Dismissal in a Debt Collection Lawsuit
- Resolve Your Debt With A Summons Response: A Step-by-Step Guide
- Secrets of a Debt Collector—Interview With A Former Collector
- SoloSuit Sweet Sixteen: Honoring 16 Champions of Consumer Empowerment
- States Where You Can Go to Jail for Debt
- Sued By Credit Card Company? Here's What To Do
- Sued by Debt Collector? How to Resolve Your Debt
- Tax Debt Compromise Program Scam
- The Truth: Should You Never Pay a Debt Collection Agency?
- Tips From a Former Debt Collector
- Top 7 Debt Collector Scare Tactics
- TransUnion Is Sued for Sharing Consumer Data with Fake Debt Collector
- Use This 11 Word Phrase to Stop Debt Collectors
- What are the biggest debt collector companies in the US?
- What are the different types of debt?
- What to Do After Filing an Answer in a Debt Collection Lawsuit
- What to Do If a Debt Collector Is Attempting to Collect a Discharged Debt
- What to Do If a Debt Collector Sues You
- What to Do if You're Delinquent on Debt
- What to Expect If Your Debt Case Goes to Court
- When Does Exeter Finance Repo Cars?
- Why Do Debt Collectors Block Their Phone Numbers?
- You're Drowning in Debt — Here's How to Swim