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If referring to a summons concerning a lawsuit, the debtor/defendant must present a valid defense. Not having the ability to pay the debt for any reason is not considered legal grounds to defend a creditor lawsuit. Such issues as identiy theft, errors in the creditors accounting of the debt, and so forth are. The defendant/debtor must however, be able to present valid evidence supporting the claim(s).

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โˆ™ 2005-09-15 14:16:22
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Q: How do you answer a complaint for non-payment without a lawyer filed by a credit card company in North Carolina?
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Only with reasonable cause. Depending on the nature of the complaint, the complaint may or may not be.

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Can a 523 Bankruptcy complaint that was dismissed without prejudice be amended with new allegations?

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