How to Answer Interrogatories Regarding Debt

Consumers agree to repay any debt incurred. Failure to repay debt can result in legal action taken by the creditor. At some point during the legal proceedings, the creditor has the legal right to send you a list of questions that you are required to answer truthfully and completely. These questions are referred to as interrogatories. Failure to answer the interrogatories can result in a contempt charge from the court.

Instructions

1

Review all of the questions carefully prior to answering the first one. Each creditor can list up to 25 questions but you should expect to see questions regarding your employment, living arrangement, monthly expenses and bank account information.

2

Answer each question truthfully. You are not required to give long details but you must provide the basic answer. If a question does not apply to your situation, write N/A in the space provided. This lets the creditor know you did not skip the answer or refuse to answer.

3

Return the completed interrogatories to the court address listed on the form. The interrogatory form will state how many days you have to submit the answered questions. This time frame varies from 10 to 30 days. Ask the court to provide you with two certified copies.

4

Mail one certified copy to the creditor and keep one certified copy in your records.