Responding To Credit Summons

Summary

If you receive a summons for a credit card debt, you must file a written answer within 20 days. Verify if the debt is within the statute of limitations, which is typically six years in New Jersey. Prepare your written answer by responding to each point in the complaint, and file it with the court. Consider consulting a legal professional for guidance on your defenses and rights.

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To proceed with filing an answer to the summons, consider the following steps:
- Review the Summons: Ensure you understand the claim and the amount being sought.
- Prepare Your Written Answer: Respond to each point in the complaint. You can admit, deny, or state you lack sufficient knowledge to admit or deny each allegation.
- Check the Statute of Limitations: In New Jersey, the statute of limitations for credit card debt is six years from the last payment or acknowledgment of debt.
- File Your Answer: Submit your written answer to the court and send a copy to the plaintiff's attorney.
- Consider Legal Assistance: If you're unsure about preparing your response, consult with a legal professional.
If you need help with the filing process or more on the statute of limitations, let me know!