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In South Carolina, judgment exemptions generally apply to a person's personal property and their homestead. Legally, a creditor cannot seize any of these exempt assets if they have a value below the threshold set by the law, essentially making a debtor judgment proof despite the existence of some known assets.

It's important to respond to (or answer) the lawsuit. You do this by filing official paperwork with the court. Be sure to address every point in the complaint, raise any defenses you have, and file the paperwork within the time frame provided.

Follow these three steps to respond to a South Carolina debt collection lawsuit: Answer each issue of the Complaint. Assert your affirmative defenses. File the Answer document with the court, and serve the plaintiff with a copy.

Give us a call at 1-844-898-8542 or email forms@dor.sc.gov so we can direct you to the proper form, or discuss the online filing option that best fits your needs. Filing online using MyDORWAY makes finding the right form easy! Get started today.

You must serve a copy of the Answer on the people who sued you, or their lawyer if they are represented, no later than 30 days after you receive the Summons and Complaint. You must file the original with the Clerk of Court's office where the Complaint was originally filed. Keep a copy for yourself.

Dear debt collector, I am responding to your contact about collecting a debt. You contacted me by [phone/mail], on [date] and identified the debt as [any information they gave you about the debt]. I do not have any responsibility for the debt you're trying to collect.