How do I write an “answer” in a credit card lawsuit?
Understand that you are innocent until proven guilty, the most important thing to understand is not to admit to anything to anyone at anytime. The collector or creditor that has filed a complaint has the responsibility to prove their case. In answering the complaint you do not have to admit to having an account with the company that has filed the complaint. You could request discovery and ask for proof that there is a legitimate outstanding debt. Specifically asking for a signed original aggreement between you and the company. Most companies issue a complaint and summons for the purposes of achieving a settlement, but they know that most people will roll over and play dead. And the court will issue a default judgement. Once they have recieved this judgement they can then proceed to ask the court for you to compel with information concerning your finances if you refuse to answer the courts request you could be held in contempt of court. This is the only was that a debtor could end up in
