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There is no sample "answer letter for a civil summons", because an Answer, as a pleading is governed by the rules of the court in which the Answer is filed. The exact form of an Answer could be different in each of the 50 state and federal court systems. Also, to be precise, one answers the allegations in the complaint, as opposed to the summons which makes no allegations against the defendant.

Nevertheless a guide to answering a civil complaint is to reply to each numbered allegation one by one. Your reply will say either that you admit or deny the allegations in each paragraph x. If there are allegations where you are not certain whether to admit or deny based on the facts, you would reply that you neither admit nor deny the allegations in paragraph x, but leave plaintiff to its proofs.

Generally, you must use separate paragraphs corresponding to the paragraphs in the complaint. One is not supposed to make a general denial where a defendant writes that he denies all of the allegations of the complaint.

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