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Answering a Debt Collection Complaint

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Welcome.  This free program can help you prepare an Answer to a Summons and Complaint regarding money that someone says you owe. 

You need to send a written Answer within 20 days from when you got the Summons and Complaint papers.  If you don't, you may automatically lose the lawsuit.

Click here if it has been more than 20 days.

This program works by asking questions to "interview" you.  It uses your answers to create the papers you need.  It also gives information about your rights and duties.

This program will NOT work for debts from:

  • Child support
  • Spousal support
  • Taxes
  • Student loans

It may take up to an hour to get through the interview.  Before you start, you will need to read the instructions. Click "Continue" to get started.

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