How to Respond to a Debt Summons

According to the Federal Trade Commission, if you owe a debt, the creditor has a right to sue you in court. You will receive a debt summons to notify you if a lawsuit has been filed. It is best to respond to the summons immediately. Don't ignore the summons, because your lack of response can cause the judge to rule against you before you can dispute your claim. If you have been summoned to resolve a debt, there are many steps that you can take to respond to it.

Instructions

1

Review the summons and gather the court's contact information listed on the document. Be sure to record your court date and appearance time.

2

Contact the court and verify the court date and the location. Ask for information about a court clerk or trustee who may be assigned to handle your case.

3

Determine whether your debt is valid. If you want to dispute the validity of the debt, gather all necessary documentation to verify your claim. Make copies of documents that prove your claim, such as canceled checks and payment receipts. In addition, prepare copies of all correspondence between you and the creditor.

4

If you decide dispute the claim, be prepared to show proof of your income and assets to the courts. You will also need to show proof of checking and savings accounts. This will be considered to determine whether you are financially able to repay the debt.

5

Contact an attorney. Ask about a free consultation and request advice regarding the summons. An attorney can possibly negotiate a settlement with your creditors if you decide to retain his services.