Q: What exactly does "file your answer to the complaint" mean in regards to a summons I received for an alleged debt.
A: When someone files a lawsuit against you in most cases you must file an answer or a motion to dismiss that person's allegations against you. In certain circumstances in small claims in Illinois the allegations are automatically denied but you may have to go to trial. I defend debt cases and especially credit card cases. Many times in a credit case, the debt may have been sold and a consumer is lost in a maze of collection letters from various sources stating they own the debt. There are defenses in these circumstances. I would suggest contacting an Illinois lawyer such as myself or look online at NACA.net.
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