SoloSuit: How to Respond to a Debt Collector Lawsuit

If you are struggling with debt, it’s very likely that you’ve been the target of a debt collector lawsuit at some point. Filing such lawsuits in court is one of the ways that debt collectors attempt to recover the money owed to them. Unfortunately, the process can be lengthy and confusing if you don’t know how to respond effectively. Thankfully, one company has created an online document that can help you answer any debt collector lawsuit quickly and easily.

Understand the Summons and Complaint

The first document you will receive is the summons. It typically includes the name and address of the court, your name as it appears in the complaint, and the date of your court appearance. The summons also includes information about how you can file an answer with the court and how much time you have to do so. 

Next, you will receive a copy of the complaint, which contains all of the details about what happened that led up to this lawsuit.

Decide if You Need an Attorney

If the debt is relatively small, you may be able to handle the lawsuit on your own. However, if you have any questions or concerns, it’s important that you consult with an attorney as soon as possible. It may not always be easy to find legal representation for free, and some attorneys charge more than others, so it’s important to do your research beforehand. 

If you decide to retain counsel, ensure they are qualified in debt collection and bankruptcy law. It can also help if they specialize in consumer protection law since this area has been the most heavily litigated in recent years. 

It can also help if they specialize in consumer protection law since this area has been the most heavily litigated in recent years.

File an Answer With the Court

A defendant should always file an answer with the court and make sure that they know what is going on. Your answer will include your defenses and counterclaims, if any, as well as any other legal claims you may have against the plaintiff. 

If you do not file an answer with the court, or if your answer does not contain all of the required information, you may be held in default by the court.

Serve Your Answer on the Plaintiff

In order to defend yourself against the lawsuit, you must respond by serving your answer to the plaintiff. Your answer should be filed with the court within 30 days of being served with the summons and complaint.

Show Up to Court

What if I don’t show up to court? If you do not attend the hearing, the creditor can ask the judge for a default judgment. This means that they will win by default because you didn’t show up. What if I don’t know where or when the court is? If you are unsure where or when your court date is, please contact an attorney immediately. The attorneys at SoloSuit are happy to help. What should I wear?


If you’re sued for debt collection, you have the right to defend yourself. Find out how with SoloSuit. SoloSuit will walk you through filling out an answer and defending against debt collectors in court. It’s easy, free, and can help protect your assets from being seized.

Deny Smith
Author: Deny Smith

About Deny Smith

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