Nine out of ten people sued over a debt in California never respond, and the collector wins by default, then garnishes wages for years. Filing an answer stops that cold. Tell us what the papers say and we build your Answer (PLD-C-010), your defenses, your fee waiver, and the proof of service, for $49.99.
Have the papers? Let us read them.
Upload the summons and complaint, or take a photo of each page. We pull the case number, the collector, the amount, and the service date so you do not retype anything.
PDF or photo, up to 5 files.
1
The lawsuit
Top right corner of the summons.
Named right under 'SUPERIOR COURT OF CALIFORNIA'.
Copy it exactly as captioned, including LLC or 'as assignee of'. Often a debt buyer you have never heard of.
The number on the complaint, before their fees and interest.
You can use a general denial: one line that denies the entire complaint. That is what your answer will do.
This is what decides whether the debt is too old to sue over. Never make a new payment on an old debt, it restarts the clock.
The clerk's stamp on the complaint. Leave blank if you cannot find it.
2
You, the defendant
Only the people this answer is filed for. Each of them signs it.
3
Your defenses
Pick everything that is true. Each one becomes a numbered affirmative defense in your answer. A defense you leave out now is usually waived, so err on the side of checking it.
4
What happened, in your words
A few sentences the judge can read: who the original creditor was, what you dispute, what you paid, what they never sent you. Plain English, no legal words needed.
Your defenses will not fit in the box on the form, so we add an MC-025 attachment page, which is exactly what the court expects.
A few questions before we build it
5
Serving and filing
The collector's attorney, from the top left block of the complaint.
Public benefits you receive
file my case is not a law firm and does not give legal advice. We prepare the forms you tell us to prepare.
