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(The following is for education purposes only. Although PayingPaul.Com has made every effort to make this accurate, every county and state has its own rules in regards to credit card debt lawsuits. For legal advice for your situation, please consult with an attorney licensed in your state.)
Credit Card Debt Lawsuit Answer
The first step one should take in the event one is served with a summons to court is to file a formal answer with the court in the time frame allotted. An answer is your way to explain to the court why you disagree with the charges made by the creditor, and by doing so, you prevent the creditor from obtaining a default judgment against you. The timeline is mentioned in the actual papers you are served with and is usually between 10 and 20 days. In some states, the court will have a standard form to fill out and in others you are required to create your own. In the event you are required to create your own, here is a sample lawsuit answer.
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Name
Address
Address
Phone Number
Defendant in Pro Se
Municipal Court For County Of ______ In And For The State of _________
_____________.,(Creditor)
Plantiff,
Case No. ________________
V.
___________,
Defendant.
---------------------------------------------
Answer
1. Defendant admits the allegations in the following paragraphs: 1, 2, 3, and 4.
2. Defendant denies the allegations in the following paragraphs: 5, 6, 7, and 8.
3. Defendant denies on information and belief the allegations in the following paragraphs: 9, 10, and 11.
4. Defendant denies for lack of information the allegations in the following paragraphs: 12, 13, and 14.
5. Defense: Plantiff is not entitled to money it claims because the statute of limitations has expired.
________________(Name) ______________(Date)
- - - - - - - - - - - - - - - - - - - - - - -
Credit Card Debt Lawsuit Answer
The first step one should take in the event one is served with a summons to court is to file a formal answer with the court in the time frame allotted. An answer is your way to explain to the court why you disagree with the charges made by the creditor, and by doing so, you prevent the creditor from obtaining a default judgment against you. The timeline is mentioned in the actual papers you are served with and is usually between 10 and 20 days. In some states, the court will have a standard form to fill out and in others you are required to create your own. In the event you are required to create your own, here is a sample lawsuit answer.
- - - - - - - - - - - - - - - - - - - - - - -
Name
Address
Address
Phone Number
Defendant in Pro Se
Municipal Court For County Of ______ In And For The State of _________
_____________.,(Creditor)
Plantiff,
Case No. ________________
V.
___________,
Defendant.
---------------------------------------------
Answer
1. Defendant admits the allegations in the following paragraphs: 1, 2, 3, and 4.
2. Defendant denies the allegations in the following paragraphs: 5, 6, 7, and 8.
3. Defendant denies on information and belief the allegations in the following paragraphs: 9, 10, and 11.
4. Defendant denies for lack of information the allegations in the following paragraphs: 12, 13, and 14.
5. Defense: Plantiff is not entitled to money it claims because the statute of limitations has expired.
________________(Name) ______________(Date)
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