This article will make the process of responding to a debt lawsuit a little bit easier and tell you how to answer a summons for debt collection in Florida. The reason the creditor dismissed the case without prejudice is so that IF you do not get a bankruptcy discharge the creditor can refile.The case was dismissed without prejudice the creditor could essentially refile the matter correcting whatever the basis of dismissal was the prior time. Our collection attorney and paralegals will send a collection demand letter to your West Palm Beach debtors. Only use the term "without prejudice" when commenting upon, communicating or responding to a settlement proposal or offer. (5) A judge shall perform judicial duties without bias or prejudice.