How to File an Answer to a Debt Lawsuit in Texas

How to File an Answer to a Debt Lawsuit in Texas

Finding yourself on the receiving end of a debt lawsuit can be a stressful experience. However, it is important to remember that you have legal rights and options available to you. One such option is filing an answer to the lawsuit. In this article, we will guide you through the process of filing an answer to a debt lawsuit in Texas, and address some frequently asked questions (FAQs) to help you better understand the process.

Step 1: Understand the Lawsuit

Before filing an answer, it is crucial to fully understand the details of the debt lawsuit. Carefully review the summons and complaint you received, which will outline the allegations and claims made against you. Take note of any deadlines or specific instructions provided.

Step 2: Gather Evidence and Documentation

Next, gather all relevant documents and evidence that can support your defense. This may include contracts, agreements, payment records, or any other documentation that disputes the claims made against you. It is important to have a clear understanding of the facts surrounding the debt in question.

Step 3: Prepare Your Answer

Once you have gathered all necessary information, it is time to prepare your answer. The answer is a written response to the lawsuit, in which you either admit or deny the allegations made against you. It is crucial to be accurate and honest in your response.

In Texas, you have 20 days from the date you were served with the lawsuit to file your answer. Make sure to adhere to this deadline to avoid default judgment, which would result in an automatic win for the plaintiff.

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Step 4: Draft and File Your Answer

When drafting your answer, it is recommended to seek legal advice or assistance to ensure you are following the correct format and addressing all necessary points. If you cannot afford an attorney, you may be able to find low-cost or free legal assistance through legal aid organizations or pro bono programs.

Your answer should be concise and clearly respond to each allegation made against you. You may also include any affirmative defenses or counterclaims you wish to raise. Once your answer is complete, make copies for your records and file the original with the appropriate court.

Step 5: Serve the Plaintiff

After filing your answer, you must serve a copy of it on the plaintiff or their attorney. This can be done through certified mail, return receipt requested, or by personal delivery. You must provide proof of service to the court. Failure to properly serve the plaintiff may result in your answer being deemed invalid.


Q: What if I can’t afford an attorney to help me file an answer?
A: If you cannot afford an attorney, you may be eligible for free or low-cost legal assistance through legal aid organizations or pro bono programs. Additionally, you can find resources online or at your local courthouse to help guide you through the process.

Q: What happens if I don’t file an answer within the specified timeframe?
A: If you fail to file an answer within the given timeframe, the plaintiff may request a default judgment. This means that the court will automatically rule in their favor, and you may be held responsible for the debt.

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Q: Can I negotiate a settlement instead of filing an answer?
A: Yes, negotiating a settlement is an option. If you believe you owe the debt but are unable to pay the full amount, you may be able to negotiate a payment plan or a reduced settlement amount with the plaintiff.

Q: Can I raise any defenses in my answer?
A: Yes, you can raise affirmative defenses in your answer. These defenses may include lack of standing, statute of limitations, improper service, or fraudulent practices. It is important to consult with an attorney to determine the best defense strategy for your specific case.

Q: What happens after I file my answer?
A: After you file your answer, the court will schedule a hearing. During the hearing, both parties will present their evidence and arguments. The judge will then make a decision based on the evidence and applicable laws.

Remember, it is crucial to consult with an attorney to ensure you fully understand your rights and the best course of action for your specific case. Filing an answer is an important step in defending yourself against a debt lawsuit in Texas, and by following the correct procedures, you can protect your rights and potentially achieve a favorable outcome.

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