December 6, 2023

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Handling a credit card debt can be daunting, especially when a summons arrives in your mailbox. A summons is a legal document that informs you of a lawsuit filed against you and compels you to appear in court. If you have received a summons for credit card debt, you need to act fast. Ignoring the summons may result in a default judgment against you. However, you can respond to the summons by filing a sample answer. This article will provide you with a sample answer to summons for credit card debt and guide you on how to fill it out correctly.

Sample Answer to Summons for Credit Card Debt:


The following is a sample answer to a summons for credit card debt:

In the [ insert name of court ] Court

In the Matter of the Credit Card Debt owed to [insert name of creditor]

Civil Action No. [ insert case number ]

Defendant’s Answer to the Plaintiff’s Complaint

Defendant, [insert your name] by and through undersigned counsel, respectfully submits this answer to Plaintiff’s Complaint and, in connection therewith, avers, denies, and/or states as follows:

1. Defendant admits that he/she had a credit account with the Plaintiff.

2. Defendant denies that he/she is indebted to the Plaintiff in the amount claimed by the Plaintiff.

3. Defendant denies that Plaintiff is entitled to the relief requested in its complaint.

4. Defendant reserves the right to assert additional defenses.

WHEREFORE, Defendant requests that this Court enter judgment in favor of Defendant and award Defendant such other relief as the Court deems just and equitable.

Respectfully submitted,

[Insert your name]

[Insert your address]

[Insert your telephone number]

[Insert your email address]

[Insert your attorney’s name, if applicable]

[Insert your attorney’s address, if applicable]

[Insert your attorney’s telephone number, if applicable]

[Insert your attorney’s email address, if applicable]

Explanation of the Sample Answer:

The above sample answer is a simple but effective one that you can use as a template to create your own answer. The answer generally follows the format required by most courts and includes certain key elements.

Firstly, it identifies the court where the matter is being litigated, the creditor filing the complaint, and the civil action number assigned to the case. It then sets out the defendant’s response to the allegations made by the plaintiff in the complaint.

In paragraph 1, the answer admits that the defendant had a credit account with the plaintiff. This response is honest and does not provide the plaintiff with any ground for dispute.

In paragraph 2, the defendant denies that he is indebted to the plaintiff in the amount claimed by the plaintiff. This response means that you do not agree with the amount claimed, but it leaves the door open for you to make an offer of payment for a lesser amount.

In paragraph 3, the defendant denies that the plaintiff is entitled to the relief requested in its complaint. This response suggests that you do not agree with the remedy the plaintiff is seeking. You may wish to explain why the plaintiff is not legally entitled to the remedy it seeks.

In paragraph 4, the defendant reserves the right to assert additional defenses. Additional defenses are legal arguments that the defendant may later allege to prove that the plaintiff’s case has no merit.

The request for judgment in the defendant’s favor and other relief that the court deems just and equitable concludes the answer.

Filing Your Answer:

Once you have completed your answer, you need to file it with the appropriate court and serve a copy on the plaintiff’s lawyer. Usually, you have up to 30 days after receiving the summons to file the answer. However, this deadline may vary depending on the court and jurisdiction.

Make sure you make copies of all the documents you file with the court and keep them safe. Your answer needs to be written in the formal legal language generally used in court cases.


Q: Will filing an answer to summons affect my credit score?

A: No, filing an answer will not affect your credit score. Your credit score is calculated based on your payment history and other factors such as your credit utilization rate and the length of your credit history.

Q: What if I cannot afford to hire a lawyer to defend me in court?

A: You have the right to represent yourself in court. If you cannot afford an attorney, you may be able to get free legal help through non-profit legal aid organizations. Contact your local court clerk’s office or bar association for more information.

Q: Can the plaintiff still sue me even after I file an answer to the summons?

A: Yes, the plaintiff can still sue you even after you file an answer. However, filing an answer shows the court that you intend to defend yourself and can help prevent a default judgment against you.


Filing an answer to a summons for credit card debt can be intimidating, but it is essential to protect your rights. The above sample answer provides a framework for responding to the complaint filed against you. Remember, failing to respond to the summons can lead to a default judgment, which can have serious consequences, including wage garnishment and property liens. Seek legal advice if you need help creating an answer to the summons.

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Article Summary:

Receiving a summons for unpaid credit card debt can be concerning, but it’s important to act quickly to avoid a default judgment. Filing a sample answer can help protect your rights and provide a defense to the lawsuit. The sample answer format provided in the article includes admitting to having a credit account with the plaintiff but denying indebtedness in the amount claimed. The defendant also reserves the right to assert additional defenses. It’s important to file the answer with the appropriate court and serve a copy on the plaintiff’s lawyer. Seek legal advice if needed, and remember that responding to the summons is crucial to protecting your rights.

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