Debt Legal

How to Answer a Lawsuit for Debt And What to Expect

Pinterest LinkedIn Tumblr
Advertiser Disclosure

This blog post may contain references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services.


If you’re served with a summons and complaint, you’ll need to decide how to respond. You can try to negotiate with the creditor, but if they’re not willing to work with you, your only other option is to file an answer with the court.

Filing an answer is a formal way of responding to the lawsuit and letting the court know you’re contesting the debt. Once you’ve filed your answer, the case will move forward, and you’ll have the opportunity to present your defense.

How And When To Answer A Debt Lawsuit?

If you’re being sued for a debt, you first need to figure out if the statute of limitations has expired. This is the timeframe in which a creditor can sue you, varying from state to state.

If the statute of limitations has expired, you can file what’s called a “demurrer.” This formal document states that the statute of limitations has expired and, therefore, the case should be thrown out.

If the statute of limitations hasn’t expired, you’ll need to file an “answer.” This is a formal document that responds to the allegations in the lawsuit. Before that, a well-versed Texas Debt Defense should be on your side to defend you. You’ll want to include any defenses against the debt in your answer.

For example, if you believe the debt is not yours or the amount being sued for is wrong, you’ll want to state that in your answer. You’ll also need to decide whether or not you want to file a counterclaim. A counterclaim is when you sue the creditor for something related to the debt, like harassment or illegal collection practices.

For most businesses, filing for bankruptcy is the best way to protect themselves from creditors. This is because it puts an automatic stay on all collection activity, meaning creditors can’t sue you, garnish your wages, or take other actions to collect the debt.

Another option to consider is negotiating with the creditor outside of court. This is often more successful than going to court, and it can save you a lot of money in legal fees.

If you’re being sued for a debt, the best thing to do is speak to an attorney specializing in debt defense. They’ll be able to help you figure out the best course of action based on your specific situation.

Can A Debt Lawsuit Be Dismissed?

A debt lawsuit can be dismissed only if certain conditions are met. For example, if the statute of limitations has expired, you can file a demurrer to have the case thrown out. Or, if you’re able to negotiate with the creditor outside of court, the lawsuit may be dismissed as well.

What To Expect During The Process: Do’s and Don’ts

Although the process can be daunting, there are a few things you can do to make it go more smoothly.

  • Understand the law and your rights

Most people served with a debt lawsuit have no idea what to do next. This is perfectly normal – after all, being sued is not something that happens daily. The first step is to educate yourself on the law and your rights. This will help you make better decisions throughout the process.

  • Hire an attorney

Although you are not required to have an attorney, it is highly recommended. The law is complex, and an experienced attorney can navigate the process more effectively and help you understand your options.

  • Gather documentation

If you have any documentation related to the debt – such as bills, letters from the creditor, or payment history – be sure to gather that up. This will be helpful to your attorney in building your case.

  • Be prepared for court.

If you go to court, it’s essential to be prepared. This means knowing what to expect and having your documentation in order. Your attorney will help you with this, but it’s always good to be as prepared as possible.

  • Organize your thoughts

It’s also important to be clear about what you want to achieve through the lawsuit. Do you want to negotiate a settlement? Or do you want the case to be dismissed entirely? Having a clear goal will help you and your attorney make better decisions.

What NOT To Do If You’re Being Sued For Debt

Just because you’re being sued for debt doesn’t mean you have to go through with it. There are a few things you should avoid if you find yourself in this situation.

  • Don’t ignore the lawsuit.

If you’re served with a lawsuit, the worst thing you can do is ignore it. This will only worsen the situation, and you may end up owing even more money.

  • Don’t try to hide your assets.

If you’re worried about creditors seizing your assets, don’t try to hide them. This is illegal, and it will only make the situation worse.

  • Don’t give up hope

It can be easy to feel overwhelmed when you’re being sued for a debt, but it’s essential to stay positive. There are options available, and an experienced attorney can help you find the best solution for your situation.

Final Words

Any lawsuit against you is a serious matter, but a debt lawsuit is especially so. If you’re being sued for a debt, it’s crucial to take action immediately and seek out the help of an experienced attorney. With the proper legal guidance, you can achieve the best possible outcome for your situation.


Become an Insider

budget planner template printable

Subscribe to get a free daily budget planner printable to help get your money on track!

Make passive money the right way. No spam.





Editorial Disclaimer: The editorial content on this page is not provided by any of the companies mentioned and has not been endorsed by any of these entities. Opinions expressed here are author's alone

The content of this website is for informational purposes only and does not represent investment advice, or an offer or solicitation to buy or sell any security, investment, or product. Investors are encouraged to do their own due diligence, and, if necessary, consult professional advising before making any investment decisions. Investing involves a high degree of risk, and financial losses may occur.


Write for Us


FangWallet was created to make financial knowledge easy-to-read and accessible to the masses. Personal finance. Understood.

Write A Comment

Pin It