Don’t ignore the lawsuit. If you do that, the person suing you will almost always win automatically. Use the sample Form to Respond to a Debt Collection Lawsuit to help with your Answer.
Responding is important because if you do not respond at all, you can lose the opportunity to defend the lawsuit. The court can automatically rule in favor of the creditor or debt collector. That ruling is called a default judgment.
When you respond or “Answer” the lawsuit, the debt collector will have to prove to the court that the debt is valid and that you owe the debt.