Been served with a lawsuit?
File your answer before the clock runs out.
A court-ready response with real defenses, for a flat $139.95 fee.
Ignoring a summons doesn't make it go away. It usually ends in a default judgment. Our custom-trained AI model, grounded in real, attorney-drafted filings and not generic ChatGPT, builds a formatted, court-ready answer with affirmative defenses common to debt collection cases.
A one-time payment, no subscription, and secure checkout.
A missed deadline means a default judgment against you
Avoid default judgment
Missing your response deadline lets the plaintiff win automatically. Filing on time keeps your right to defend the case alive.
Built-in affirmative defenses
Your answer includes the defenses commonly available in debt collection cases, so you're not just denying claims, you're actively defending them.
Formatted for your court
Every state, and often every county, has its own formatting rules for a legal answer. Yours is generated to match.
Drafted by a custom-trained model
Your answer isn't a ChatGPT prompt. It's generated by a model trained specifically on real, attorney-drafted debt-collection court answers, not general-purpose AI.
How to respond to a debt collection lawsuit in four steps
Built to move fast. Most people finish before their next coffee break.
Check your deadline
Find the response date on your summons. This determines how much time you have to act.
Enter your case details
Add the plaintiff, court, and case number exactly as they appear on your summons paperwork.
Review and sign
Your formatted answer is generated with relevant defenses. Review it, then sign and date it.
File and serve it
File with the court clerk shown on your summons and mail a copy to the plaintiff's attorney before your deadline.
One flat fee. Nothing else to buy.
Summons Response
- Court-ready answer formatted for your state and county
- Common affirmative defenses included automatically
- Case, court, and deadline fields built in
- Filing and service instructions included
- No attorney consultation required
People who answered and stayed in the fight
“I was staring down an $8,000 judgment and had no idea where to start. The response I filed was professional and legally sound, and the collector dropped the case before it went further.”
Michael E.
Verified client
“Getting served with a lawsuit is terrifying. Having a clear, step-by-step document to file made the whole thing feel manageable instead of impossible.”
Kathy D.
Verified client
“Fast, accurate, and a fraction of what an attorney consultation would have cost me. Saved a lot of stress on a tight deadline.”
Marc H.
Verified client
“I had no idea what to do when I was sued over an old debt. This made it possible to actually respond and fight back on my own.”
Carol S.
Verified client
How long do you have to answer a summons?
The deadline to answer a debt collection lawsuit depends on your state, your court, and how you were served. Most states allow somewhere between 14 and 35 days from the date of service. Typical windows include:
These are general examples, not legal advice. Court rules change and vary by court type. Always go by the response date printed on your own summons, and contact the court clerk if you're unsure.
Summons response FAQ
Facing a deadline? Here's what to know before you file.