See a sample Answer Form for Consumer Credit Transaction. When you receive a summons, you must answer it to avoid a default judgment (an automatic loss).Many courts do not take personal checks or credit cards. Here's everything you need to know about drafting and filing an Answer to a credit card debt lawsuit, with sample Answers included. What is a courtordered summons and complaint? You were sent notice from the court for a small claims action, due to your apparent failure to pay your credit card bill. Show up, or you will be defaulted. Three ways to answer a civil court summons for credit card debt. Deciding whether to affirm, deny or reply lack of knowledge to a civil summons. Retail installment contract (like a credit card). (Civ.