As some of you may know (or may not), I'm a credit attorney. That means I help consumers with credit reporting and debt collection issues.How do I file an answer once I have been served with a citation? You want to answer and deny the claims. You can get a copy from the court clerk on file. In general, Texas has very few official legal forms. This article explains your rights and options under the law if you are facing debt collection. Served with a Houston Credit Card Lawsuit? We offer affordable Debt Lawsuit Defense. We hope that you find this Handbook helpful, and that it provides some aid in protecting your rights behind bars.