How do I Answer a Lawsuit for Debt Collection?

Authored By: Northwest Justice Project LSC Funded
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This publication explains law in Codes, Statutes and court cases. We have included some citations if you want to do some research. Citations will point you to the information we have summarized.

Use this packet if you have been served with a lawsuit in a debt collection case, and if you want to prevent garnishment of your income and assets or a lien against your property.

*This packet is not a substitute for actual representation by a lawyer. Try to talk to or hire a lawyer before answering papers.

Use this packet with the Debtors' Rights in a Lawsuit publication, available at www.washingtonlawhelp.org or from CLEAR by calling 1-888-201-1014.

Should I answer the Complaint?

Yes, if you believe you do not owe some or any of what the plaintiff says you owe.

Do I have to answer the Complaint?

No, if you agree that you owe the amount claimed or you do not wish to dispute the claim.

What if I do not answer the Complaint?

The plaintiff will win automatically. The plaintiff will get a judgment for everything s/he asked for in the complaint.

Even if the plaintiff wins, there are limits on what s/he can do to collect. Our publication called Debtors' Rights in a Lawsuit explains.

I have offered to make small payments on my bill, or I have told the plaintiff I would make full payments as soon as possible. Can the plaintiff sue me anyway?

Yes. However, most creditors would rather not have to spend money on lawsuits and will enter into agreements for a payment plan.

If you cannot make a payment, contact the creditor right away. Explain what happened. If they do not hear from you, they may assume you will not pay. They will file a lawsuit. If they win, the court will add the costs of that suit to the amount you owe. The creditor does not have to accept anything less than what you owe.

I cannot afford to pay the debt. Can they sue me anyway?

Yes. That is not a defense.

What is a Declaration of Exempt Income and Assets?

A declaration is a sworn statement. The Declaration of Exempt Income and Assets lets your creditors know that you have income and/or assets that the law says they may not take from you. [1] It also lets them know that if they try to garnish or lien these things, you can sue them under the Fair Debt Collection Practices Act (FDCPA)

You should attach a copy of your bank statement and any other statements showing your sources of income to your Declaration. (Black out or cover up your account number and your social security number on those statements.) 

*You can use the blank Declaration of Exempt Income and Assets at the end of this packet.

If your spouse has income from a non-exempt resource, like wages, s/he should open her/his own account and deposit the non-exempt funds there.  That account will be at risk of garnishment if your spouse becomes a defendant in the complaint.

What are a Summons and Complaint?

The person starting a lawsuit must prepare a written statement telling the judge what the problem is and what s/he wants. That statement is the Complaint.  

*The person starting the lawsuit is the plaintiff. If the lawsuit is against you, you are the defendant.

The plaintiff must have a copy of the Complaint delivered to you so you will know about the lawsuit.

You will also get a Summons. It tells you:

  • you have a right to disagree with the Complaint in writing

  • how much time you have to answer the Complaint

  • where to deliver your Answer

If you do not tell the court in writing that you disagree with the statements in the Complaint, the judge will assume you agree with it and will often give the plaintiff what s/he asks for. The plaintiff wins by default if you have not answered. If the court enters a Default Judgment against you, you may not get notice of the judgment if you have not answered.

Once the plaintiff gets a judgment against you, s/he may be able to take money from your bank account or paycheck, or take some of your property to pay the judgment.  You must file a written response within the time limit in your Summons (usually twenty days.  Read the Summons carefully for the deadline).

You may respond by delivering to the person who signed the Summons and Complaint either:

  • a Notice of Appearance OR

  • an Answer

A Notice of Appearance states that you have appeared in the lawsuit. Delivering a Notice of Appearance will keep the court from entering a default judgment against you without a hearing. A Notice of Appearance does not explain your position in the lawsuit. Your Answer does this.

Use the form Notice of Appearance in this packet. (We have also included a sample Notice.)  Try to do both the Notice of Appearance and the Answer at the same time. You must at least do the Notice of Appearance. If you have it delivered and filed before the plaintiff goes to court, s/he must notify you of all future court hearings.  

*Plan to deliver and file your Answer before you go to court.  Use the Answer form in this packet. The directions for filling it out are below.

What is an Answer?

It is your written response to the statements in the Complaint. You are the defendant.

In your Answer, do not:

  • tell the entire story

  • make legal arguments


  • state whether you agree or disagree with each statement in the complaint, or whether you do not know if the statements in the Complaint are true

  • Type or neatly print your answer. Your Answer must be clear and readable

  • Only use 8 ½ X 11" paper (the size of this page)

By filing an Answer in time, you keep your rights to argue about this matter in court and to get notice of future hearings.

You may feel embarrassed or guilty about being in debt.  You may just want it all to be over.  You may feel you deserve punishment and want the judge to punish you. You should still file an answer. It does not mean you are trying to avoid your legitimate debts. You may disagree with the amount the plaintiff asked for in the Complaint. You may want to preserve your right to get notice of future hearings. If you do not file an Answer, you may lose your chance to say how much you think you should pay. 

*If you file an Answer and lose the court case, you may owe the plaintiff more court costs and attorney fees.

You will need one original and two copies of your Answer. You will file the original with the court.  One copy goes to the plaintiff.  You keep a copy. The section below, "What to do with the Answer," explains.

How do I fill out the Answer?

A. The Caption

Look at your Summons and Complaint. They have a heading that gives information about the case. This heading is the "caption." All court papers, including the Summons, the Complaint, and your Answer, are called "pleadings." All pleadings use this kind of caption.  

The caption looks like this:


IN AND FOR THE COUNTY OF _______________________



 No.   ________










  • The top line gives the name of the court, the state, and the county. Examples: "District Court of Washington for Pierce County" "In the Superior Court of the State of Washington in and for the County of Pierce."

  • The left side lists the names of the Plaintiff and Defendant.

  • The right side lists the number that the court clerk has assigned this case (so they can keep it filed correctly) and the title of that pleading.

If the papers you received have no file number, the plaintiff may have decided to deliver (or serve) the papers to you before filing them with the court. The law allows this. You are still bound by the time limit listed in your Summons. But you may not need to file your Answer with the court yet. You will still have to deliver a copy to the plaintiff's lawyer (or the plaintiff if s/he has no lawyer). Read your Summons carefully. It should tell you what to do.

When you fill out your Answer, fill in the caption at the top of the page.  Copy the needed information from your Summons and Complaint. Copy the names of the plaintiff and defendant just as they are on the Summons and Complaint, even if they spelled your name wrong or called you or your spouse "John Doe."

B. Admissions/Denials

After filling out the caption, use the middle of the page to give your answers to the statements in the Complaint. Usually, the Complaint's paragraphs are numbered. You may list the numbers and say one of three things about each paragraph of the complaint:

  1. You admit that it is a true statement.  (Examples:  that you live in Pierce County, or that you are not a member of the Armed Forces.) Admit the statement only if you agree with every part of it. Otherwise, deny the statement.

  2. You deny that it is a true statement.  (Example: that you owe a specific amount of money to the person named.)

  3. You write that you do not know whether the statement is true. (Example:  The collection agency who is suing you claims it is licensed and bonded. You might assume they are, but you have no evidence. You have never seen their license.)

Read the Complaint carefully.  You must briefly answer all the Complaint's statements.

If you totally disagree with everything in the Complaint, simply write a single sentence saying you deny each and every allegation in the Complaint. 

  • Do not deny things you know are true.

C. Defenses

You may have technical or legal defenses to the Complaint, such as an argument that the statute of limitations has run. Actions to collect debts have a time limit called the "statute of limitations." It usually starts once the creditor has a right to sue you (example:  once you miss a payment). Once the time limit has passed, the creditor can no longer collect from you. The court will dismiss the action.

For more information on the Statute of Limitations, call CLEAR if you are low-income (1-888-201-1014, M – F 9:10 a.m. – 12:25 p.m.) or check the Revised Code of Washington (RCW). The reference department at your local library may be able to help you find the right section of the RCW.

You may also argue as an affirmative defense that you do not owe the money. Even if you did buy the item that the plaintiff is suing about, you might not owe anything if the item was defective and you returned it, or tried to return it.

You could lose an "Affirmative Defense" if you file an Answer without stating it.

*Rule 8(c) of the Civil Rules for Superior Court also lists affirmative defenses.

D. Counterclaims

You may want to make claims against the plaintiff. You must state these claims in your Answer if they arise out of the same transaction or incident the plaintiff is suing about.

Examples:  if an appliance seller sues you over a debt for the sale of an appliance that was defective and injured you, you must state any claim you wish to make against the seller/plaintiff in your answer. If the plaintiff violated Fair Debt Collection rules (see the Debtors' Rights - Collection Agencies publication), you may have a damage claim against the plaintiff. Find out more about counterclaims from a lawyer or the court rules.

*If you want to make a counterclaim, you must pay a filing fee in order to file your Answer.  Some counties may allow you to try to waive the fee.  Ask your clerk about local procedures.  If you do not plan to file a counterclaim, cross out the term "counter-claim" in the caption, footer, and the last sentence of your answer.  Otherwise, the clerk may try to charge you a filing fee.

E. Exempt Income

If your income is exempt from garnishment, you should put a paragraph in your answer saying so. Example:  if your only income is Social Security, which is exempt from garnishment by federal law, then write in your answer the following: "My income consists only of Social Security." This is not a defense to the underlying lawsuit. It lets the plaintiff know that your only income is exempt from garnishment. If you lose the lawsuit and the plaintiff later garnishes your bank account containing exempt funds, you may have a cause of action against the plaintiff.

F. The Signature and Your Address

On the last page, put the date you sign your name. Below that, sign your name with your legal signature (the one you use for checks). Just below your signature, print or type your name so it will be easily readable. Put your address below that. You have finished your Answer.

Your address: Give an address where you can get papers by mail and by hand. Do not use a P.O. Box. Notices of hearings will be mailed to that address.  If you fail to appear because you did not get the notice, the court may enter a judgment against you by default.

How do I fill out the Declaration of Exempt Income and Assets?

Sections 1 – 3: Reread the "What is an Answer" section to fill out the first page of the declaration.

Section 4:  Check every box that applies to what income you get. Example:  You get SSI. You would place a check in the second box under section 4.

Section 5:  Do the same thing for assets/property that you own. Example:  You own a private library worth $1,000. You would place a check in the fourth box under section 5.

Last part of the declaration:  Sign the declaration. Fill in the date you signed. Signing guarantees that all the information in the declaration is true. If you fill out any part of the declaration untruthfully, you may be prosecuted for perjury, a class B felony.  If you are prosecuted for committing perjury on this declaration, this will be considered a fraud.  Then it you probably will not be able to discharge the debt underlying this lawsuit in bankruptcy. Creditors are very good at finding out what assets and income you have.  Be honest in this declaration.

Attach a copy of your social security statement and your bank statement.  You should have covered-up the social security number and the bank account number.

I have filled out the documents. Now what?

A. Delivery

Make at least two copies of your Answer and Notice of Appearance. Deliver one copy of each to the plaintiff's lawyer. (The lawyer's name and address is on the lower right-hand side of the Summons and Complaint.) If the plaintiff is representing him- or herself, deliver a copy of the papers to the plaintiff. If you do not want to deliver them yourself, have a reliable friend do it for you.

You must deliver a copy of your Answer or Notice of Appearance on or before the date in the Summons. You must deliver your Answer and Notice of Appearance on time.

You should deliver a copy of each document personally to the plaintiff's lawyer. You may leave the papers with a secretary or receptionist. Ask the receptionist to stamp the original and copy of each document with a "copy received" stamp showing the date received.  This will prove you delivered these documents by the deadline in the Summons.

If you mail the documents to the plaintiff's lawyer, you must allow enough time for it to arrive by the deadline (at least three days). It is not enough for the Answer and Notice of Appearance to be postmarked on or before deadline. The plaintiff's lawyer must get it by the deadline in the Summons. If you mail the Answer, you can send one Answer by regular mail and one by certified mail, return receipt requested.

  • Hand-delivery is best.
If you mail the Notice of Appearance and/or the Answer, the court needs proof of mailing. Fill out a Certificate of Service. Attach it to the original of the document that you mailed. A sample Certificate of Service and a Certificate of Service form you may use are in this packet. Make extra copies of the form before you use it.  You must write what kind of legal paper the Certificate of Service refers to (examples: Answer, Notice of Appearance) and strike out the type of delivery that does not apply.  (Example: if you mailed it, cross out "hand-delivered.")

B. Filing

When the plaintiff pays the filing fee and files the Complaint with the court, the court gives it a case number. It will usually be stamped or typed on the upper right-hand side of the Summons and Complaint. The court will have no record of the case and cannot give you any information about it until the plaintiff has filed the case.

If there is a case number on your Summons and Complaint, write in the number on your Answer and Notice of Appearance and file the original(s) with the Court Clerk. File the original Answer and Notice of Appearance after you deliver a copy to the plaintiff's lawyer and get proof of service (the "copy received" stamp), but before the deadline stated in the Summons. When you file the original Answer and Notice of Appearance, stamp your personal copies with the Clerk's stamp showing the date you filed the originals.

If the Summons and Complaint you got have no case number, the Clerk has no record of your case.  You will not be able to file the original of your Answer and Notice of Appearance. You must still follow the regular procedure for delivering a copy of your Answer to the plaintiff's lawyer. Keep your original Answer and Notice of Appearance until you find out that the plaintiff has filed the case and it now has a case number. When you get the case number, follow the procedure for filing the original documents above.

  • You must file your Answer within the time limit listed in your Summons (usually twenty days). Once you have timely filed your Answer and served the plaintiff's lawyer, you should get notice of any hearings. Do not miss these hearings. IF YOU HAVE ALREADY MISSED YOUR TIME LIMIT, FILE AN ANSWER ANYWAY. A late Answer may be better than no Answer at all. If you are too late, and the court has entered a judgment against you, talk to a lawyer right away.

Do you have sample forms I can see?

Download this publication in pdf format to view the sample forms.

Do you have blank forms I can fill out on a computer?

Yes. The following forms are available for you to download in MS Word format:



1. Do not let the creditor know if you have any income and assets that are over the exemption limit. If you have income over the exempt amount, they can garnish the excess. Likewise, no matter what your property is worth, even if the creditor is not able to repossess it, they can still put a lien on it for the amount you owe.





This publication provides general information concerning your rights and responsibilities. It is not intended as a substitute for specific legal advice.
This information is current as of
October 2014.

© 2014 Northwest Justice Project. 1-888-201-1014
(Permission for copying and distribution granted to the Alliance for Equal Justice and individuals for non-commercial use only.)