Being served with a debt collection lawsuit can feel overwhelming — but ignoring it can result in wage garnishment, frozen bank accounts, or property liens. Acting quickly protects your rights.

Many lawsuits succeed simply because consumers fail to respond. Filing a timely Answer forces the creditor to prove its case.

Steps to Take Immediately

• Read the Summons and Complaint carefully
• Calendar the 20-day deadline
• File a written Answer with the Clerk of Court
• Send a copy to the creditor’s attorney

Quick Takeaways

• Never ignore a lawsuit
• Filing an Answer prevents default judgment
• Bring documentation to court
• You may raise defenses such as expired debt

Filing Pro Se in Florida

Check your county Clerk of Court website for Answer templates. Keep stamped copies for your records. Attend all hearings and be prepared with organized documents.

About FRLS

FRLS provides free legal representation to qualified Floridians facing debt collection lawsuits and unlawful collection practices.

Call 1-888-582-3410 to see if you qualify for free legal assistance.