How to Answer a Summons for a Debt Collection Lawsuit (In 3 Steps)

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SoloSuit – Win Your Debt Collection Lawsuit

4 жыл бұрын

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How to Answer a Summons for a Debt Collection Lawsuit
In this video I show you how to answer a summons for debt collection.
“My debt collector is my best friend!” - said no one ever.
Follow these steps to win your debt collection lawsuit.
1.Create your Answer document to the summons.
IN MOST STATES YOU ONLY HAVE 20-30 DAYS TO RESPOND TO THE LAWSUIT BEFORE YOU AUTOMATICALLY LOSE!!!
That’s not a joke. If you ignore the lawsuit you will lose and you will end up paying more money, sometimes as much as 10x more! Do you want that? If you don’t want to automatically lose your case, then make an Answer.
To make your Answer to the complaint, respond to each numbered paragraph on the complaint.
2. Assert your affirmative defenses.
Also on your Answer document, you must assert your affirmative defenses. These are just any reason why the person suing you doesn’t have a case. If you don’t make your defense now, you can’t make it later.
3. File your Answer with the Court and mail a copy to the other party.
This is the most important and perhaps difficult part. In most states you need to physically print and mail your answer. Send one copy to the court, the other to the opposing attorney.
Responding to the lawsuit by first filing an answer will give you leverage to settle and talk down your debt.
You can use our website SoloSuit.com (bit.ly/2o0D4qv) to easily generate an answer, then we can have an attorney review it and file it for you.
50 State Guide on How To Answer a Summons for Debt Collection: bit.ly/2psySjz
Looking for even more ways to stick it to the man? Add to our Justice for All playlist on Spotify: spoti.fi/2VFgdx6

Пікірлер: 577

@nubian282 3 жыл бұрын

Thank you, very simple and free....awesome

@solosuit 3 жыл бұрын

You're welcome!

@lucky-hd1yv 4 жыл бұрын

Wow so clear and direct. Thank you.

@solosuit 4 жыл бұрын

Thanks, glad we could help Lucky

@solosuit 4 жыл бұрын

Thank you for all the new subscribers and likes. Check out this link if you need to respond to a debt collection lawsuit bit.ly/2o0D4qv

@ieshamitchell9836 3 жыл бұрын

Big shout out to solosuit. You guys are amazing in helping out with response letters. I will be using your services for any additional problems that I have....

@solosuit 3 жыл бұрын

Our pleasure!

@rudygarcia9913 2 жыл бұрын

Completely blown by how simple this was!

@solosuit 2 жыл бұрын

Glad to help!

@guadalupewilcox1564 4 жыл бұрын

Bless you for explaining this so clearly

@solosuit 4 жыл бұрын

Thanks Guadalupe, glad we could help.

@ladycash4675 2 жыл бұрын

Thank you for the explanation.

@solosuit 2 жыл бұрын

Glad it was helpful!

@strayhorserecords Жыл бұрын

Thankful to have found this video. Made the answer process super easy only took 5 minutes

@solosuit Жыл бұрын

We're glad we could help! Good luck with your case.

@scarlettparkinson7470 4 жыл бұрын

Thanks for this video!

@solosuit 4 жыл бұрын

Thanks Scarlett

@christianjensen4924 2 жыл бұрын

This guy is funny AF! 😂 and very helpful. Thank you

@solosuit Жыл бұрын

Glad you enjoyed!

@rickyortiz001 2 жыл бұрын

Your the best I was hella nervous tbh…. I dnt know how to respond and now I fill confident

@solosuit 2 жыл бұрын

We are so glad to hear it! Good luck with your case; we hope you win.

@rosehudson9437 4 жыл бұрын

You explained it Really well

@solosuit 4 жыл бұрын

Thanks!

@elsplace896 6 ай бұрын

Very clear and concise.

@solosuit 6 ай бұрын

Glad it was helpful!

@Plussizebaddie24 3 жыл бұрын

Omg this video is heaven sent!! Thank you, I am not working so I can't afford an attorney.. But you are very direct thank you!!

@solosuit 3 жыл бұрын

Thanks Fancy, it's our pleasure to help!

@BigJadeTarotfr 3 жыл бұрын

Your site is a godsend!

@solosuit 3 жыл бұрын

Thanks, Talking. We are so glad we could help.

@johntkeodara Жыл бұрын

God Bless You! Thank you for your videos.

@solosuit Жыл бұрын

You are very welcome. We hope our content helps. Thanks for watching!

@dainnesegovan5283 3 жыл бұрын

Great info ! ☺️

@solosuit 3 жыл бұрын

Glad you think so!

@persevere6326 2 ай бұрын

Very well done video for the average person. Thanks for not talking down to those who are already hurting.

@solosuit 2 ай бұрын

Thanks for your feedback. We want to help people make sense of their debt lawsuit. We hope our videos help.

@gretchenverna6124 3 жыл бұрын

Love your work ❤

@solosuit 3 жыл бұрын

Thank you so much 😀

@danielcrowder8572 6 ай бұрын

Thanks for your help

@solosuit 6 ай бұрын

Happy to help!

3 ай бұрын

What you're not telling your viewers in this video is DO NOT respond to mail or phone calls from collectors, doing so will reset the statuet of limitations but also confirming to the collector you own the debt opens the person up to being sued so if someone answers the ph from a number they don't recognize and the first words they hear are "you are on a recorded line" that is a collectors attempt to get you recorded admitting to the debt so they can proceed with their possible law suit if you don't pay

@solosuit 3 ай бұрын

You're right; if you admit that you owe the debt or make an agreement to pay, you could reset the clock on the statute of limitations.

@Decimusblack88 Ай бұрын

@solosuit do you have any testimonials, on successful cases? I

@servyeudesigns126 29 күн бұрын

If you don’t respond at all, then they will assume you owe and continues to harrass. Can you elaborate more on to not respond. Can someone respond and say , don’t not contact.

@boomerang905 3 жыл бұрын

Great advice.

@solosuit 3 жыл бұрын

Glad we could help.

@kimberlymarvin6368 4 жыл бұрын

This is my first video and your awesome!!!! I’m going to watch because I haven’t filed my answer yet. Thank you!

@solosuit 4 жыл бұрын

Thanks Kimberly, glad we could help.

@seabreaze4243 Жыл бұрын

I loved it ! Thanks a lot....

@solosuit Жыл бұрын

You're welcome 😊

@rebeccacarlisle2665 4 жыл бұрын

Great tips.

@solosuit 4 жыл бұрын

Thanks Rebecca

@rah1735 2 жыл бұрын

Thank you so much

@solosuit 2 жыл бұрын

You're most welcome

@kitowellbeing3778 10 ай бұрын

Thank you, George! What a shakedown the debt collection is. They buy the debt for $0.04 on the dollar and intimidate people for what the bank said the total of the debt was. The collection letters did reflect different amounts. Bottom line is the issuing bank has discharged or written off the debt and we don't have any signed contracts with these collectors trying to make 96% profit on their investment. THANK YOU AND BLESS YOU!! I was sick to my stomach receiving the summons and feel so much better hearing your videos. I will be using SoloSuit to file my response tomorrow after some sleep. God Bless you! ❤🙏

@solosuit 10 ай бұрын

Glad we could help. Good luck responding to your case, and feel free to schedule a call with us or send an email if you have any questions.

@missycalhoun6319 6 ай бұрын

@solosuit how do we call?

@libbyjames4513 4 жыл бұрын

Your intro Music is Awesome Buddy :)

@solosuit 4 жыл бұрын

Thanks Libby, hopefully it didn't induce too much anxiety.

@kimpattin4205 3 жыл бұрын

Thank you for your service. It is a life saver!

@solosuit 3 жыл бұрын

Kim, it's our pleasure to help!

@georgiamurray1878 4 жыл бұрын

Thanks ALOT

@solosuit 4 жыл бұрын

Thank you, Georgia, for watching

@JimmyGodspeed Жыл бұрын

Thank you, thank you.

@solosuit Жыл бұрын

You are very welcome! Good luck to you.

@ssmarsfiverr6432 3 жыл бұрын

Waiting for your next video

@solosuit 3 жыл бұрын

Good. So are we.

@tanisha_tlc 4 жыл бұрын

I received a summons the other day. I went to the website you stated, but I live in Kansas. Thanks in advance. 🕊❤️✌🏽

@solosuit 4 жыл бұрын

Hi Queen, we help people in Kansas all the time. Just order the "Standard" package, leave the "Courthouse" and "County" fields blank. Text the number on the website if you have any questions. Go to SoloSuit (bit.ly/2KFZxRU)

@Decimusblack88 Ай бұрын

What was your outcome? I'm curious, I happened to file my forms recently

@LaurenINFJ 2 жыл бұрын

P.S. You don't always need a library card to print at the library, and even if you do, the library card is free and helps libraries receive stats that they report to the government, which in turn helps libraries get funding. :) And at many libraries, printing is either free, on a donation basis, or super cheap! Libraries are the best! :)

@solosuit 2 жыл бұрын

Nice, libraries are amazing places. Thank you, Benjamin Franklin.

@hasansamakaab5256 Жыл бұрын

You speak the truth. If you have a school-age child and you introduce them to the library, even twice a week, academic success awaits. In this era of wanton internet, however, you have to watch what material your developing child is coming across. There're so many groups, good and bad, vying for your child's innocent attention.

@bertharuiz1225 10 ай бұрын

Here @ zip code: 78380 .45 each copy. Two years ago.

@oliviabenitez1162 8 ай бұрын

Thank you ❤

@solosuit 8 ай бұрын

You're welcome 😊

@roadsafeties-wg6hi 2 ай бұрын

I like the way he explains it, I like your way

@solosuit 2 ай бұрын

Glad we could help!

@kathleenjackson1923 Жыл бұрын

Thank you so much for the information you shared. You helped me a lot. Bless you and may you continue to be successful.

@solosuit Жыл бұрын

We're glad we could help! Thanks for the feedback, and good luck with your case.

@markspangler8573 9 ай бұрын

Thank you.

@solosuit 9 ай бұрын

You're welcome! Good luck with your case.

@Robert-wv4sv 3 жыл бұрын

thank you..!!

@solosuit 3 жыл бұрын

You're welcome!

@saggiestar5579 Жыл бұрын

Thank you

@solosuit Жыл бұрын

You're very welcome!

@thes3xcichef 10 ай бұрын

I love writing answer letter for people. They’ll NEVER contact you AGAIN!

@solosuit 10 ай бұрын

That's the goal!

@jenjen8086 3 ай бұрын

Would you be interested in writing a letter for me ❤?

@douglasgoulding6860 Ай бұрын

How much will you charge to write one for me?

@patadams1589 3 жыл бұрын

I am so relieved right now! I watched your video....i died laughing when you were talking about printers! Mine was not working! Lol! So I went to you website and did your 15.00 service. THE BEST MONEY I EVER SPENT !!!!+ thank you!!!!! I cant tell you what a difference you made!!!

@solosuit 3 жыл бұрын

Hi Pat, it's our pleasure to help. Printers problems are real.

@MadamDukureh 4 жыл бұрын

Most grateful, it's amazing how profitable ignorance is! Reading is an difference maker! As your channel grows dont feel bad to not responding to questions you already covered in your video! Our society would benefit greatly from listening, thinking and doing. Much❤Blessings to you! Thank you, for your time!

@solosuit 4 жыл бұрын

Hey Simple Pleasures, thanks for the kind words. Glad we could help. We're rooting for you!

@Marlene-qj2ex Жыл бұрын

Isn't that the truth; I am glad I found this channel through a Google search.

@owlscoffeecats Жыл бұрын

Simple & easy to understand. Thank you for a straight forward video. 🎉

@solosuit Жыл бұрын

Glad to hear it. Thanks for the feedback!

@haleyfoxworth3250 2 жыл бұрын

I just want to say thank you so much for your guidance through the steps... this video is so helpful!

@solosuit 2 жыл бұрын

Hi Haley! We are so glad we could help. Good luck with your case! Here's wishing you the best possible outcome.

@TheAaronmcmahon11 Жыл бұрын

Wow! Thank you so much. Your video made it simple to understand and took loads of stress off.

@solosuit Жыл бұрын

We're glad we could make it less stressful. Good luck with your case!

@coreyharding4837 4 жыл бұрын

great video, this was truly awesome. However, the options don't fit CA for selecting a courthouse, is there any link for California??

@solosuit 4 жыл бұрын

Hi, Corey, we're updating the site soon. Just leave the "County" and "Courthouse" fields blank.

@treyanderson6224 2 жыл бұрын

In SC

@solosuit 2 жыл бұрын

Here's the video for South Carolina kzfaq.info/get/bejne/fs93mLqKm9ilhqs.html

@marieholt528 3 жыл бұрын

this helps me alot I got summoned this morning it was hell

@solosuit 3 жыл бұрын

Glad we could help! We hope you win.

@cpenn9426 Ай бұрын

Well I just want to give solo suit props because they helped me with a lawsuit last year where I filled a response and then went to court long story short 3000 debt was dismissed

@solosuit Ай бұрын

Wow, congratulations! We'd love to hear more about your story. Shoot us a message at support@solosuit.com to tell us more.

@jackiejoy1852 2 жыл бұрын

New subscriber 👍👍

@solosuit 2 жыл бұрын

Thanks so much for subscribing! Welcome to the SoloSuit fam.

@Scotty__ 4 ай бұрын

Ofc my issue is here in PA !!! And their summons maybe different then other states

@solosuit 3 ай бұрын

Sometimes the process is slightly different depending on which state you reside in and what course has jurisdiction over your case. We have a PA attorney who can review your Answer doc and let you know if it is reading for filing. You can sign up for that service here: www.solosuit.com/debt_answer

@JoonBeh 4 жыл бұрын

dope!

@solosuit 4 жыл бұрын

Thanks, Joon. Hopefully, you'll never have to use this newfound knowledge.

@lowrider5717 3 жыл бұрын

I file motions to dismiss them motion to Vacate them motion to strike make them spend money first then answer if you lose all three make them work!!

@solosuit 3 жыл бұрын

Haha, hardcore approach.

@thejmmx1 Жыл бұрын

Thanks for the info! Are the answer forms from Solosuit recognized as legit court documents in Nevada?

@solosuit Жыл бұрын

Yes, they are. We have extensive experience filing in Nevada and rarely have court documents rejected there.

@thedoulabaker5815 2 жыл бұрын

THank you for sharing. I have recently received a summons for debt. I am going to use the SoloSuit to provide my answer, however I am conflicted on which I should choose "Prove it" or "I'm Not Sure". I previously was living in California, I just recently relocated to Kansas. In California, I was using a credit repair for 6 months but then I had stopped. I have 2 exhibits; one is the last bill showing the balance owed, the second was the bill of sale. I wanted to use the "I did not agree to my debt to be sold to a different company and not to the original creditor". What is the best way to go about this?

@solosuit Жыл бұрын

The Premium Package is helpful if your not sure whether to do "Prove it" or "I'm not sure." The attorney review and consultation are great resources in that package. We're prohibited by regulations from providing legal advice.

@Kindness.20247 2 жыл бұрын

Hope to utilize this service if can afford to.

@solosuit 2 жыл бұрын

Glad to hear it. It's totally worth it.

@engagingtragedy5895 2 жыл бұрын

I am filing using your generated documents Monday! Have you ever had any success asking for private arbitration if the debt contract allows?

@solosuit 2 жыл бұрын

Glad to hear you are using our service! We used to provide templates for a Motion to Compel Arbitration, which had a pretty high success rate, but we currently do not offer that service any more. Our services only include initial Answer documents right now. However, we will be adding more products soon, so stay tuned!

@COMtnPilot 4 жыл бұрын

Great video! Thanks! Will your template work for California?

@solosuit 4 жыл бұрын

Hi, yes we can help you in California. Just generate an answer and then give our phone number on the website a call.

@jessicariv1222 2 күн бұрын

Please contact me @ Solosuit, I made a payment to this company, now there is lack of communication on their part. Is this a legit company?

@brokenempath 3 жыл бұрын

In the answer can you ask for production of documentation, like the proof of the original contact, proof they own and purchased the debt, document of the debt being validated? When do I send this? And also what happens after you officially answer and send everything certified? Thank you so much.

@solosuit 3 жыл бұрын

Yes, the SoloSuit process makes it simple to request documentation of the debt. We use language requiring the collector to "show an accounting" of the debt. Usually collectors are unable to. After responding to the lawsuit, a few things may happen. 1) the collector will contact you and attempt to settle. 2) the collector will file for discovery, sending you a Request for Admissions or something similar. 3) the collector won't make any further moves. 4) the court will reject your documents for some petty error, in which case you'd need to refile.

@nancysullivan7329 4 жыл бұрын

Hey any advise on medical debt lawsuit

@solosuit 4 жыл бұрын

Hi Nancy, good question. Not a whole lot changes for a lawsuit over medical debt. It is still considered a debt collection lawsuit. The main thing to consider is if you're being sued by the original creditor (the hospital) or a debt buyer (the debt collector. If the plaintiff in the suit isn't the hospital where the medical debt came from then there is a good chance the debt was sold to a third-party debt buyer. This can change the nature of the lawsuit in some states (like Texas). It will also mean that you'll have a better chance of settling the debt since the debt buyer probably bought the debt for less than 10% of its face value (so they probably paid $10 for a $1000 debt). Does that help? (SoloSuit is not an attorney, this isn't "legal advice")

@brittanywest8745 Жыл бұрын

Thank you so much! Once I Mail this what happens next? Do we have a court date or can we call the debtor and set up a payment plan? What is the next step??

@solosuit Жыл бұрын

Hi Brittany, you can go here to try to settle www.solosuit.com/debt_lawsuit_settlement_letter

@yuminglu1161 5 ай бұрын

Thank you so much! God bless you for doing this free for people.

@solosuit 4 ай бұрын

We're glad we could help. 😀

@leiladixon9486 4 жыл бұрын

I never received either I just received a card from Cavalry offering a settlement and a court day with the lawyers name etc...

@solosuit 4 жыл бұрын

You can contact your local courthouse (often the one closest to you) and ask if they have any lawsuits on record for you. If the documents you received from Cavalry have your case number, you can use that to find your lawsuit and respond to the original complaint with an Answer and a Motion to Set Aside Judgment. Give us a call on our website and we may be able to help.

@lgee9027 4 жыл бұрын

Can you do an updated pandemic edition🦠🦠🦠 if you are running low on cash due to job loss, and may not be able to go back due to health issues

@solosuit 4 жыл бұрын

Hi L, we made one just for you kzfaq.info/get/bejne/rsqDjK1nqa68ln0.html

@kaitlynstepek3256 4 жыл бұрын

Hey i was given a summons in IL. Which option do i chose on the website?

@solosuit 4 жыл бұрын

Hi, choose "Answer to a Complaint." Then it will only show options for UT, but we help in IL. Just leave the "Courthouse" and "County" options blank. And you can choose the Premium Package for IL.

@Kingedgxr 4 жыл бұрын

Does solosuit service Los Angeles?

@solosuit 4 жыл бұрын

Hi Big Ed, yes we service LA. The site isn't optimized for it yet. You just need to leave the county and courthouse fields blank and then give us a call.

@crowmoon9922 10 ай бұрын

Hello George and thank you so much for creating these videos. I just printed my answer form. However, I'm not sure that I'm still liable for the debt as it's been 3 years since the last payment. Is there any way you could clarify this for me? I am in SC. Thank you so much!

@solosuit 10 ай бұрын

The statute will vary depending on the type of debt in question. Here's a resource with South Carolina's statute of limitations on different types of debt: www.solosuit.com/posts/debt-collection-laws-in-south-carolina#:~:text=South%20Carolina%20debt%20collectors%20must%20follow%20debt,Source%3A%20S.C.%20Code%20%C2%A7%2015%2D3%2D530

@jimcooper7457 4 жыл бұрын

Having something from 2016. I live in KY and just got served by a sheriff deputy today on a Sunday. Over repoed auto. From a debt collector I believe KY has a 15 year SOL ? If use your services and they still pursue this. Will I have time to start/file a chapter 7 or another# . Lol

@solosuit 4 жыл бұрын

Jim Cooper yes, Filing will Gove you time to consider bankruptcy. We can also connect you with bankruptcy service. That said, 50% of our passed cases get dismissed.

@liberval9425 4 жыл бұрын

Question: In your response to Marisa Garcia you said that you and your team are not attorneys. What exactly are your qualifications? Are you CPAs? Former employees of debt collection services? I ask because I couldn't find a description on your channel. Thanks!

@solosuit 4 жыл бұрын

Hi Liber, thanks for asking. George is a law school graduate (JD/MBA) from BYU. He isn't an attorney. SoloSuit is a technology company, not a law firm. We've helped 1,300 people protect over $3 million from predatory debt lawsuits in just a short time. We're making the law more accessible and closing the justice gap.

@mohammedmiah7076 Жыл бұрын

In USA any court you can represent yourself as long as you know the specific law of the land for respective law suits against you

@rogerdsmith 10 ай бұрын

14 days in Hidalgo county Texas.

@solosuit 10 ай бұрын

Sounds right!

@ramundo07 3 ай бұрын

You wait any later than the 15 days and you automatically lose the case? And say they do win the case against you can they garnish your wages if the debt was originally credit card debt?

@dreamingofyou1027 4 жыл бұрын

First of all thank you so much for all the information!!!!! I'm getting sued for medical bills. I do owe them. But everytime they called, they gave me only 2 payment options. To pay in full or 2 payments. My debt is 4500. So it is impossible for me. So is it still recommendable to deny, or do I just reply assertively? All I wanted was monthly payments. Not a lump sum. Thank you for your time.

@solosuit 4 жыл бұрын

Good to hear from you Marisa. Many people do a general denial in your position - so deny all of the paragraphs. Once you file an Answer they should be better listeners. That said the path we've seen work the best is: 1) Answer 2) save up money 3) negotiate down the debt to 1%-50% 4) pay it off in one lump sum. Paying in a lump sum is much more enticing for a debt collector and will make it more like that they'll settle for a lower amount. So after answering, you may only need to pay them as little as $450. We aren't attorneys and this isn't legal advice.

@cab805 3 жыл бұрын

I tried to using your site, I only have 5 complaints to file but I couldn't figure out how to get out of the answering complaints. please advise.

@solosuit 3 жыл бұрын

Hi CAB, please call the phone number listed on the site. We can certainly help you respond.

@icxcnika2 Жыл бұрын

If you file a motion to dismiss do you still need to reply to each of their points in the complaint? Thx!

@solosuit Жыл бұрын

Keep in mind that we cannot offer legal advice. Generally, it's best to respond to a Complaint with an Answer to avoid default judgment.

@albertgutierrez7036 4 жыл бұрын

I got a summons today, showed up to my house and it was sitting on the table. I have a court date set for next year. Do i go to the court house or can I just negotiate with them. I am working with a debt settlement company and they have been working on this for me can I just settle before the 30 days or do I have to respond at this point.

@solosuit 4 жыл бұрын

Hi Albert, we can't give legal advice on your particular situation. Generally, it depends on what state you're in. In almost all states, when someone gets a Summons, they need to respond with an Answer document, otherwise they automatically lose their case. For most people, it is best to first file an Answer and then negotiate a written settlement and have filed with the court. We've seen many people who think they have settled with the collector but they don't have anything in writing and nothing is filed with the court, so the collector screws them. This happens frequently. If it's not in writing, it never happened. You can use SoloSuit to generate an Answer in about 15 minutes.

@Winnermations 2 ай бұрын

Is it year to the date of last payment or the day prior?

@solosuit 2 ай бұрын

Typically it's the date of last payment, but rules vary by state.

@tennaj1367 2 жыл бұрын

GREAT VIDEO! ,. I subbed. But what if you actually do owe the debt but don't have the money top pay at that moment and the the creditor is asking the court for a judgment for the full balance + fees?? Is there any way to still make an agreement with them before the judgment to try to pay it off with payment plan or something ? BTW I'm in Michigan ..Thanks

@uno_andonly216 2 жыл бұрын

Same question I have

@solosuit Жыл бұрын

Generally, that's a situation you can totally win. Even if the defendant believes they owe the debt, they should still file an Answer. Filing an Answer increases the difficulty of collection and makes it more likely the plaintiff will settle. Settlement is better than garnishment. Filing an Answer is step one to protect your rights.

@user-sv1bp1od5j 5 ай бұрын

Hi. Same here from Michigan. Just received a summons yesterday. I do owe the debt but I don’t believe the amount the lawyer states I owe is correct. Will I have a affirmative defense if so, how do I work it? Thanks in advance.

@user-sv1bp1od5j 5 ай бұрын

I meant how do I “word” the affirmative defense ? Also, is it ok to say yes to most questions but one or two “I don’t know”?

@OceanDave32 3 жыл бұрын

If I wanted to settle the debt after I have been served, do I still need to file a answer? Thank you for your content! Keep up the good work.

@solosuit 3 жыл бұрын

Generally, yes, a defendant needs to file an Answer to give them the best chance of settling the case. Once the defendant files an Answer, their leverage increases a lot, giving them more power to settle for a smaller amount. This is because responding to the lawsuit shows the defendant is competent and can and will fight the case. If they don't file an Answer, then the collector has nearly no reason to settle . . . because the defendant is about to lose the case on default.

@OceanDave32 3 жыл бұрын

@@solosuit Thank you for your reply. This make good sense. I think I'm going to use your website. I'm in California, does it matter ?

@coffeejunkie33 2 жыл бұрын

Thanks for this response! I was just served for debt collections. I found your service very helpful. Unfortunately it will cost me $71 in Nv to file a response. Hopefully the attorney will just settle for less than the full amount. I've been paying off all debt but didn't beat this one to the punch.

@Knowthybeauty 2 жыл бұрын

I was served at my door today 5/16,I live in Nv..Original payday loan amount was $400 ..Deputy Clerk signed 4/30 on paperwork..I only have 3 days to respond retroactively? I have 20 days to respond it says. Original paperwork was sent to P.O. Box that I no longer have.

@rocmacgeorge5910 2 жыл бұрын

After you answer your summons with court and there lawyer should you call there lawyer and try to strike a deal any help I appreciate thanks

@solosuit 2 жыл бұрын

Yes, you can use our SoloSettle beta program to try to settle your debt. Settling the debt, or striking a deal, is usually the best outcome for most people.

@babylalita4554 2 жыл бұрын

I paid TD BANK a settlement amount in a lump sum after being summoned. How do i go about this now? Am I still going to have to go to court. There is no defense anymore since I paid it. They said they will dismiss it after paying. How do I prove that I paid tho , in my settlement answer response?

@solosuit 2 жыл бұрын

Generally, a stipulated settlement agreement should still be filed with the court when a settlement is reached. Also, it should be clear that a settlement is “full and final”. If you paid off a debt and are now being sued for it, a bank statement can be helpful in showing that you paid the debt. Hope that helps!

@outlawfrombirth1523 4 жыл бұрын

Hey i live in Boston and i get a summons two days a go what can i do

@solosuit 4 жыл бұрын

Hi, sorry you're getting sued. We can help you out with that. Just got to SoloSuit ( bit.ly/2o0D4qv) You need to respond to the lawsuit by creating an Answer document. Otherwise, your wages could be garnished. Click "get started" to begin generating your answer. We can even have an attorney review the document and mail it in for you.

@vambo13257 3 жыл бұрын

In Louisiana a Summons has to be delivered in person

@solosuit 3 жыл бұрын

Yes, that's a pretty common requirement. Some states allow it to not be delivered in person for various reasons.

@amikkadisciple 4 жыл бұрын

Hello, I just got summoned in Nevada and I don’t have a job or money 😟 do you think you could help some how?

@solosuit 4 жыл бұрын

Amikka Disciple Yes, just go to SoloSuit.com And you can generate your answer. Give the phone number on the site a call if you have any questions

@grimeyhonkyracing3938 Ай бұрын

Does Oregon let you e-file?

@solosuit Ай бұрын

Yes, Oregon has an e-filing system. Learn more here: www.solosuit.com/posts/answer-summons-debt-collection-oregon

@bellacabello3540 3 жыл бұрын

I owed a personal loan and a credit card that opened in Texas but now I live in North Carolina when it comes to the SOL do the creditors go by the state I opened the account or the state I currently live?

@solosuit 3 жыл бұрын

Hi Bella, generally the statue of limitations the debt began in applies. This isn't legal advice and you shouldn't rely on this answer.

@lauratejeda7691 2 жыл бұрын

After I print the document, do I need to physically sign it?

@solosuit 2 жыл бұрын

Technically no, although some courts violate the e-sign act by requiring a wet signature. Our Answer uses a "conformed signature" valid nationwide.

@emmie3942 Жыл бұрын

I don't have time to respond, got summons today and court is Wed of next week.

@solosuit Жыл бұрын

Many courts are known to accept Answers even after the deadline. You may still have time.

@amysprints 3 жыл бұрын

Do I respond through just a letter on plain paper? Is there a formal format?

@solosuit 3 жыл бұрын

Hi Amy, yes, there is a formal format. SoloSuit.com makes it easy to generate an Answer with the proper format.

@the96boii94 3 жыл бұрын

I live in Los Angeles and what if my summons doesn't have a court date stamped?

@solosuit 3 жыл бұрын

In the state of California, those who have been sued for debt must respond to the complaint within 30 days or they lost by default. If you have more questions, you can check out our website (www.solosuit.com) or send us a message at support@solosuit.com

@kelly4nya Жыл бұрын

I haven't received anything in the mail, but I did receive a voice mail from someone that claimed to be an independent legal courier, and told me that I had to meet with him between 3 & 5 pm to sign a document & if they don't get my signature, he'd mark it as a direct refusal to comply, & the process would go on w/o me. He also gave me an 800 number to call which is supposedly the filing party's office & gave me a file number to give them. My question is, is this legal? Or is this a scam? What do I do in this situation?

@solosuit Жыл бұрын

Did you try looking up the number he gave you online? Sounds a bit sketchy. You may want to do more investigating before you take any action, just to be safe.

@alrightnow7248 3 жыл бұрын

Solo suit how can one pay a debt with a debt currency system? How can one service a debt with a currency that has no value or substance? I thought no contract in common law was valid unless it involved an exchange of good and valuable consideration. Am I right?

@solosuit 3 жыл бұрын

Wow, alright now, way to wax philosophical. This is getting a little Zeitgeist-y ;) Indeed common law generally requires offer, acceptance, and consideration for a contract to be established. These terms can be defined pretty broadly. SoloSuit.com helps people make the defense that they never entered into a contract.

@Halcyon_sunshine 3 жыл бұрын

I don’t have a definitive answer other than not living at the place where they sent the letters to. They ended up finding my new address but I had forgotten about the hospital bill since I wasn’t getting the letter sent to my current address. I called the creditor or collector and set up a payment plan but they said that they’re going to enter a default judgment anyways any advice?

@solosuit 3 жыл бұрын

Since we are not attorneys, we cannot offer legal advice in regard to how to respond to a default judgement. That being said, many people in that position file a Motion to Set Aside Judgement and have their cases dismissed.

@rodgerklotz6810 2 жыл бұрын

They just sent me a civil action information subpoena from the law firm and midland, thing is I dont make enough for them to garnish wages or have much in savings under 800 bucks. Thing is I do co own a car with my mom that we both use and split the costs for can they go after the vehicle at all? we still owe over 7k on it. NJ btw if that helps. The debt is under 2k but apparently its at 3k now with interest

@solosuit 2 жыл бұрын

Since we aren't a law firm, we're prohibited by regulations from giving legal advice. Generally speaking, a collector can usually take a car or get a lien against it. Here are some articles on it: www.solosuit.com/posts/179, www.solosuit.com/posts/185 It doesn't matter whether you own the car fully or not. Also, judgements last for 20 years in NJ www.solosuit.com/posts/97, and can probably be renewed forever. So, unless you plan to never make money or own assets ever again in the future, you probably aren't "judgment proof."

@greysbarrios4268 3 жыл бұрын

I have it filled in. Do I take it to the court of mail it in?

@solosuit 3 жыл бұрын

It depend on the court. Some require that you mail it in physically and some require that you e-file online. Many courts accept documents if you bring them in person. We hope you win your case!

@cmoreno82cm 2 ай бұрын

I have a question I have a judgment against me but I haven't been served yet. Does the time for me to respond for the summons starts after I have been served? Or since the day the judgment was created?

@solosuit 2 ай бұрын

The time for you to respond to the summons typically begins on the date you were served the summons. Learn more here: www.solosuit.com/posts/deadline-answer-avoid-default-judgment

@KoyoteJagOfficial 5 ай бұрын

Who does the Proof of Service? I'm the defendant and not sure what I need to do with it? It was attached with the civil summons and it's a blank proof of service. Do i need to fill it out?

@solosuit 4 ай бұрын

Some courts require proof of service or at least a certificate of service (which is included in SoloSuit's Answer doc). If you plan to file your Answer on your own and you received a form for proof of service, it may be a good idea to fill it out and submit it with your Answer.

@here2456 5 ай бұрын

I went onto my States court site and I saw they have an Answer to Consumer Transaction Form and it has a page that needs to be notorized. Do I have to use that or can i use solo suit.?

@solosuit 5 ай бұрын

What state are you in? Each state, and each court within the state, has unique filing rules.

@deztroyer76 2 жыл бұрын

Will a credit card debt collector ever have someone personally “serve” the summons or will it always be mailed? We’re talking about a low dollar debt in the range of $1000-1500 with pay off options under $1000.

@myysticranger 2 жыл бұрын

I just had a personal delivery...in Montana

@solosuit 2 жыл бұрын

Personal delivery is common.

@solosuit 2 жыл бұрын

Thanks for chiming in.

@outlawgonzalez6471 3 жыл бұрын

I’m about to go to trial and I used this service and never received any discovery and no copy of what you guys sent for me to use .

@solosuit 3 жыл бұрын

Hi Outlaw email us and we'll be able to send you your Answer. Normally, we send a copy of the Answer to every customer and they can also see it by logging into their account on SoloSuit.com. We can also try to connect you with an attorney.