The term "consumer credit transaction" means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes.
Your transaction could be as simple as buying a vacuum from an online store. Or, you might hire a landscaping professional to mow your lawn. Even your utilities are a consumer service. Some consumer transactions are complex with higher stakes.
You can either answer the summons in writing or in person. If you answer in person, you must go to the courthouse clerk's office and tell the clerk about your defenses to the plaintiff's claims. The clerk will check off the boxes in a Consumer Credit Transaction Answer In Person form.
(1) For purposes of this section a consumer credit transaction means a revolving or open-end credit transaction wherein credit is extended by a financial institution, which is in the business of extending credit, to an individual primarily for personal, family or household purposes, the terms of which include periodic ...