Whats the correct way to answer a complaint to a summons from collection agency?
I received a summons by a deputy sheriff regarding a debt from Capital One. Capital One first gave it to a collection co. called NCO Financial Services. Then from there, it went to the Law Offices of Pollack & Rosen and finally it’s in the hands of Trauner, Cohen & Thomas who are the ones bringing the action against me. The paper states that I’m summoned and required to files with the Clerk of the court an answer to the complaint and I’ve been given 30 days to do so. My question is, “How do I answer a complaint?” I don’t have the money to pay it, obviously, since the original debt has changed hands 3 times. I do own a home and if I don’t answer and they get a default judgment I assume the judge can put a lien against my home which originally I thought unsecured debts as credit cards could not do since I didn’t sign anything giving them the right to put a lien on my home if it weren’t paid. Specifically, how do I answer this? What’s the correct way? My guess after reading the forums is
