You must file an answer to respond to the lawsuit, which either admits or denies the creditor's claims and the reasons why. Here's everything you need to know about drafting and filing an Answer to a credit card debt lawsuit, with sample Answers included.STEP 2: Fill out the "Summons" form. ▫ The "Summons" is a notice to the Defendant that an action against him or her is filed in the Court issuing the summons. This check or money order needs to be mailed to this address: Support Payment Clearinghouse, PO Box 52107, Phoenix, AZ 85072-2107. Yes. You can pay filing fees with cash, a money order, a cashier's check, or an in-person credit card. Depending on the court order, you may need to post cash, property, or a combination. The type of bond can usually be obtained from the same sources noted above. You have 20 days to respond to a debt lawsuit in Arizona. For example, A.R.S. § 12548 addresses contracts in writing and credit cards.