What is an Answer and what is a Default Judgment?
An answer is exactly what the name implies; it is your response to the creditor or collector s complaint. State laws differ regarding the necessity of filing an answer. Generally, you may indicate in your answer whether you agree or disagree with each numbered paragraph in the complaint. In most states, if you fail to respond to the creditor or collector s complaint, the court will issue a Default Judgment against you. In other words, because you didn t respond, the court may automatically conclude that you have no objections to the complaint. For more information regarding filing an answer, click here for a great resource from an organization based in Washington. Although it addresses Washington residents, much of the information is generally applicable to residents in other states. Of course, you will need to consult an attorney licensed to practice in your state if you have any questions specific to your situation. Although it is not intended to be a substitute for contacting an att
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