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You generally only have 20 to 30 days to respond to a summons from the date you were served. It is very important to file what is called an Answer to the Complaint, as well as a Notice of Apperance and Certificate of Service.
All of those documents can be googled and I have seen some templates being offered on the web for a reasonable price. If you do not respond this grants the creditor an automatic default judgment which enables them to freeze your assets until they are paid and/or garnish your wages. Plus a judgment will ruin your credit.
You must answer the complaint and move forward. Some companies will drop the lawsuit if they see you are well informed of your rights as it's a big expense for them to actually commence a lawsuit....they are hoping for a default judgment, which happens in large majority of these cases.
You generally only have 20 to 30 days to respond to a summons from the date you were served. It is very important to file what is called an Answer to the Complaint, as well as a Notice of Apperance and Certificate of Service.
All of those documents can be googled and I have seen some templates being offered on the web for a reasonable price. If you do not respond this grants the creditor an automatic default judgment which enables them to freeze your assets until they are paid and/or garnish your wages. Plus a judgment will ruin your credit.
You must answer the complaint and move forward. Some companies will drop the lawsuit if they see you are well informed of your rights as it's a big expense for them to actually commence a lawsuit....they are hoping for a default judgment, which happens in large majority of these cases.
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