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You are okay I want to show you how I'd respond to a debt collection lawsuit remember there are different forms I can use and slightly different reasons why I would use each of those forms now I chose to respond with an answer form LDC zero one zero because it's the most versatile type of response and can be applied to a variety of lawsuits and remember this lesson is only meant to show you how I would quickly but effectively get a response out the door before my time for filing a response expired you should never substitute any of these videos for legal advice now before I get to the answer I want to show you what a lawsuit or complaint looks like this is the summons or the document directing me to respond to the complaint this sheet will have very valuable information on it like what day the case was filed where it was filed and who filed a lawsuit against me here I was sued by debt collector Inc you can find the name right here under plaintiff you can see my name right here as the defendant who are these doz you might be asking yourself well those Oreo defendants are just a way for the debt collector to later on insert another party if the need arises it's usually rare in collections cases though also some firms insert those one to ten while others insert one to 25 or even one to 100 this is the courthouse I'm being sued in this is the case number this is the law firm that's representing the debt collector and this is where you will usually find the contact information for the firm however some firms may specify separate mailing address for service of documents now the next document is the complaint itself here I've isolated the caption of the complaint to show you what it looks like every complaint on a collections case will look similar however no two complaints are necessarily identical now that we've identified what a lawsuit looks like let's get to work answering it let's start at the top this is where I type my name and now this isn't the name my parents gave me here's where I enter my phone number and remember just because I gave the debt collectors attorney my phone number doesn't mean I need to answer her calls later I'll make a request that the debt collectors attorney only contact me via email, so I can document everything in case I need it down the road next I'll enter my address just below my name I prefer to enter an email address right here so the debt collectors attorney knows where to reach me when she decides to drop the lawsuit because the fight just isn't worth it attorney for this is where I would enter in pro per, although some people just choose to leave this blank plaintiff this is the company suing me some of the more infamous names in recent memory have been cash LLC Midland Funding American Express and so on defendant this is where I enter my full name now I need to make sure all the information is typed correctly otherwise a clerk may reject my filing case number again it's important for me to enter this...
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