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Two Options for Taking the Settlement Offer Read the settlement offer carefully or have an attorney review the offer to be sure it's legally binding – that the creditor or collector can't come after you for the remaining balance at some point in the future. Or, you can even try to negotiate a lower settlement.

7 Ways To Defend a Debt Collection Lawsuit Respond to the Lawsuit or Debt Claim. ... Challenge the Company's Legal Right to Sue. ... Push Back on Burden of Proof. ... Point to the Statute of Limitations. ... Hire Your Own Attorney. ... File a Countersuit if the Creditor Overstepped Regulations. ... File a Petition of Bankruptcy.

The 3 Steps to respond to a debt lawsuit Respond to every paragraph in the Complaint. The Complaint includes several numbered paragraphs that lay out the lawsuit against you. ... Assert your Affirmative Defenses. ... File the Answer with the court and the plaintiff.

Filing Your Answer. Contact the clerk's office of the court where the lawsuit was filed. You'll find a phone number and address for the clerk's office on your summons. The clerk will be able to tell you exactly what documents you should file with your answer and whether any filing fee is required.

Be brief. Answer the allegations in the complaint with one or two sentences. Again remember that the statements you make in your answer can be used as admissions against you. Your response to the allegations in the complaint may admit part of the statement in the specific paragraph and deny part.

Provide the name of the court at the top of the Answer. You can find the information on the summons. ... List the name of the plaintiff on the left side. ... Write the case number on the right side of the Answer. ... Address the Judge and discuss your side of the case. ... Ask the judge to dismiss the case.

Steps to Respond to a Debt Collection Case in Tennessee Create an Answer document. Answer each issue of the complaint. Assert affirmative defenses. File one copy of the Answer document with the court and serve the plaintiff with another copy.

Some want 75%–80% of what you owe. Others will take 50%, while others might settle for one-third or less. Proposing a lump-sum settlement is generally the best option—and the one most collectors will readily agree to—if you can afford it.

How do I answer the complaint? Read the summons and make sure you know the date you must answer by. Read the complaint carefully. ... Write your answer. Sign and date the answer. Make copies for the plaintiff and yourself. Mail a copy to the plaintiff. ... File your answer with the court by the date on the summons.

If you decide to file a response, you must file it in the same courthouse where the lawsuit was filed. The address should be on the papers you were served by the plaintiff. Make sure you take your original plus at least 2 copies to the clerk's office to file. You will have to pay a filing fee to file your papers.