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Debt Collection Lawsuit Answer Generator
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Get Debt Collection Lawsuit Response in
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You will receive a downloadable PDF of a completed debt collection example response
You may still want to contact the court with such questions as to confirm what is needed on the response template and that Ascend's template covers that information, whether there is a filing fee, whether it can be waived, and whether to e-file, mail, or file in person
How many days ago did you receive the Complaint letter?
Required
Which court is the lawsuit filed in? (Should be listed on Complaint letter)
Required
What county is the lawsuit filed in? (Should be listed on Complaint letter)
Required
What is the address of the court? (Should be listed on Complaint letter)
Required
What is the full name or company name of the plaintiff?
Required
What is the address of the plaintiff? (Should be listed on Complaint letter)
Required
How did you hear about the debt collection lawsuit?
A mailer
I was served the summons in person
Other
Required
Please describe how you got the summons letter:
Required
Is the debt in question under your name?
Yes
No
Required
Are you a cosigner on the debt?
Yes
No
Required
What is the total debt amount you are being sued for?
Required
What type of debt is it?
Credit Cards or Loans
Medical Debt
Student Loan Debt
Business Debt
Mortgage Debt (Choose if you plan to give up your house)
Automobile Debt (Choose if you plan to give up your vehicle(s))
Farm or Commercial Fishing Debt
Required
When was the last time you made a payment on this account?
30 days behind
30-59 days behind
60-89 days behind
90-119 days behind
120-179 days behind
180+ days behind
Required
Has this debt been settled or paid off already?
Yes
No
Required
Which of the following affirmative defenses are you claiming? Select all that apply.
Accord and Satisfaction
– We agreed to settle the debt for a different amount, and I already paid that amount.
Arbitration and Award
– This matter was already decided in arbitration, and that decision should end the case.
Assumption of Risk
– The creditor knowingly took on the risk that I might not pay, so they can’t now claim damages.
Contributory Negligence
– The creditor’s own actions or mistakes caused or contributed to the problem.
Duress
– I only agreed to this debt because I was threatened, pressured, or coerced.
Estoppel
– The creditor’s past words or actions led me to believe they wouldn’t collect this debt, and it’s unfair to change that now.
Failure of Consideration
– I didn’t receive what I was promised in return for agreeing to pay.
Fraud
– The creditor tricked me or lied to me to get me to agree to this debt.
Illegality
– The agreement or debt is based on something illegal, so it can’t be enforced.
Laches
– The creditor waited too long to sue, and that delay makes it unfair for me to defend myself now.
Payment
– I already paid the debt in full or as agreed.
Release
– The creditor released me from this debt by agreement.
Res Judicata
– A court has already decided this same claim, so it can’t be brought again.
Statute of Frauds
– The agreement isn’t valid because it wasn’t put in writing as the law requires.
Statute of Limitations
– The legal time limit for the creditor to sue has already passed.
Waiver
– The creditor gave up their right to collect this debt by their words or actions.
Required
How many numbered paragraphs are in the complaint?
Required
How do you respond to paragraph 1?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 2?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 3?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 4?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 5?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 6?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 7?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 8?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 9?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 10?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 11?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 12?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 13?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 14?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 15?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 16?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 17?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 18?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 19?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 20?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 21?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 22?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 23?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 24?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 25?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 26?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 27?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 28?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 29?
Admit
Deny
Without knowledge, therefore denied
Required
How do you respond to paragraph 30?
Admit
Deny
Without knowledge, therefore denied
Required
What is your current street address?
Required
What city do you live in?
Required
What is your zip code?
Required
What is the case number? (Should be listed on complaint)
Required
I realize that I am responsible for the accuracy of the debt response template and for sending the response and I realize Ascend provides a free template to do so but is not responsible for the results.
Yes
Required
I hereby acknowledge that by typing my name below, I am electronically signing the generated document and agreeing to the terms and conditions set forth herein.
Required
First Name
Required
Last Name
Required
Email address
Required
Phone Number
Required
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