All guides
Debt Lawsuit Guides
Free, plain-English guides for people responding to a debt lawsuit on their own. Everything here is general information, not legal advice — the deadline on your summons always controls.
Start Here
- How to Respond to a Debt Lawsuit — Step by Step
- Sued by a Debt Collector? What Happens Next
- What Is an “Answer” to a Debt Lawsuit?
Sued by a Specific Debt Buyer?
- Midland Credit Management
- Portfolio Recovery Associates
- LVNV Funding
- Cavalry SPV
- Jefferson Capital Systems
State-by-State Guides
Deadlines and courts differ by state. Find yours:
- Texas
- California
- Florida
- New York
- Georgia
- Ohio
- Pennsylvania
- Illinois
- North Carolina
- Michigan
- New Jersey
- Virginia
- Arizona
- Tennessee
- Indiana
- Missouri
- Maryland
- Washington
- Wisconsin
- Nevada
Want It Prepared for You — by Real People?
If you’ve decided to respond and don’t want to battle DIY software or formatting rules alone, that’s what we do all day. A real person takes your information by phone or secure form, prepares your court-ready documents to your instructions, and walks you through what to do next — for one flat fee quoted upfront.
Book a free consultation, request a free quote, or call (855) 394-2484. We help self-represented consumers in all 50 states.