How To Respond to Request for Admission

Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Debt collectors when they file a Request for Admissions ^^

Summary: A Request for Admissions is a legal document that initiates discovery in a debt collection lawsuit. If you’re being sued for a debt and receive a Request for Admissions, you must respond before your state’s deadline or else the court will interpret your lack of response as admitting each claim against you.

A Request for Admissions (also known as a Request for Admission) shortens the lawsuit timelines and reduces the costs involved, although it may be complicated if not handled correctly. When you receive the Request for Admissions document, you must respond as soon as possible to avoid missing the deadline. In addition, you must abide by the Rules of Civil Procedure to ensure that your response is well-prepared. Here's everything you need to know about how to respond to a Request for Admissions and the requirements to submit an acceptable answer.

Respond with SoloSuit

Get Started

What is a Request for Admissions?

During a civil case, a party to the lawsuit may serve the opposing party with a written request to admit to some facts about the lawsuit. The request may require the party to agree to statements, opinions, application of the law, or confirm whether some documents are genuine.

If you receive a Request for Admissions, you must respond within 30 days unless the court states otherwise. Usually, the opposing party sends the request directly to your mail. Similarly, you should send your response back to the other party through the mail and not to the court responsible for the lawsuit.

It is also important to note that, in most states, failing to respond within 30 days will be interpreted as admitting everything. If this happens, you may lose the lawsuit or receive court sanctions.

A Request for Admissions is not the same as a Complaint

The Complaint (or Petition) is the document that initiates a debt lawsuit. If you have already filed an Answer to the Complaint, you might receive a response from the plaintiff in the form of a Request for Admissions. This means that the case has moved to discovery (the process by which both parties uncover facts, documentation, and other evidence against the opposing party). Check out this flowchart that outlines all the possible routes a debt collection lawsuit can take, including discovery:

Debt Lawsuit Flowchart

The purpose of a Request for Admissions is to get the defendant to admit or deny certain things under oath. Anything admitted in the response to the Request for Admissions can be brought up during a future trial and considered true. So, it’s important to be very careful in the way you answer a Request for Admissions, because your responses might be used against you in court.

With that being said, you might be wondering exactly how to a Request for Admissions, so here’s everything you need to know about it.

Here is a Request for Admissions example:

Request For Admissions Example

As you can, the document clearly states it is a Request for Admissions, so be sure not to confuse it with a Complaint document.

Answering the Request for Admissions

Here's how to respond to a Request for Admissions.

Mark the deadline for responding to the Request

It's crucial to understand how much time you have to respond to the request. This period may differ depending on state rules, the court handling the lawsuit, or the Rules of Civil Procedure. In addition, the judge may also change the deadline to a date suitable for your case.

Analyze each request

Read each request carefully to determine the most suitable response. Typically, you may admit, deny, or claim that you neither admit nor deny a request. You may also partially agree with the request and disagree with the other. In such a case, you must indicate which part you admit to and which part you deny in your response.

Prepare your Answer document

The next step is to prepare your response document. The document's caption should include your personal information, details about the case, and information about the other party at the top of the page.

In some states, you may be required to identify the parties as either the propounding party or the responding party. The propounding party is the party that sent the Request for Admissions, while the responding party is you—the one replying to the Request for Admissions.

Respond to each request

After completing the caption information, the next step is to respond to each request as accurately as possible. You must retype each request as it appears on the original document then indicate your response beneath each request.

For example, here's how your responses should appear in a debt collection lawsuit.

Responding to a Request for Admissions
Response type	Request example	Response example
Admit a request	Request No. 1: Admit that you owe $10,000.	Response No. 1: Admit.
Deny a request	Request No. 2: Admit that you owe $10,000 and an additional interest of $1000.	Response No. 2: Deny.
Partly admit a request	Request No. 3: Admit that you owe $10,000 and an additional interest of $1000.	Response No. 3: I admit that I owe the debt of $10,000, but I deny owing an additional interest of $1000.

You also have the option of objecting to a request based on various reasons. For example, if a request requires you to provide more than one response, you may object to it and indicate that the request is compound. You can also object to a request if it is vague, ambiguous, or unreasonable.

Sign the Document

Lastly, you need to sign your response document and include the preparation date. Depending on your state, you may be required to sign this document under penalty of perjury to be sure that the answers you provided are true and accurate.

How to serve your Answer to a Request for Admissions

After completing your response document, the next step is serving the propounding party. You must also complete this process correctly to ensure that your response is acceptable. Here are the steps to follow:

Make copies of your Answer: Make copies of the response document and keep them for reference. You may also need to make a copy of the response for any other party in the lawsuit.

Include a Certificate of Service: A certificate of service is a document that proves you served your answer to the plaintiff. You should include the name and the address of the recipient and a statement declaring the filing date and the method used to file.

Serve your response: Next, serve the attorney of the propounding party and other parties to the case with your answer. If the case is in a federal court, you may have an option of serving your response electronically. All the parties of the lawsuit will receive a notification that you filed your response, so you won't need to send copies to each party through the mail.

Obtain proof of service: The proof of service is a document that confirms that the recipient received your response. Your server can prepare the document declaring the date and manner of service and the name and address of the recipient.

Making a reasonable inquiry

Requests for Admission are governed by the Code of Civil Procedure which provides guidelines for completing a response and making a reasonable inquiry. Failure to comply with the guidelines in this code affects the outcome of the lawsuit. Here are some situations that break the codes governing Requests for Admission.

Failing to respond to the Request for Admissions: The court will treat your failure to respond to the requests as admission and waiver all your objections. When that happens, you may lose the case or receive a sanction.

Making an unverified response: Some states require you to verify that the answers provided are true and accurate by signing the document under penalty of perjury. If you don't fulfill this requirement, the court will assume that you failed to respond to the requests.

Failure to make reasonable inquiry: You must make a reasonable inquiry before admitting, denying, or claiming a lack of sufficient knowledge to make a decision. The propounding party may file a Motion to Compel Further Responses from you if they believe you had access to reasonable information that would make you admit or deny the request. Additionally, the court may sanction you if they determine you had no good reason for failing to respond to the requests.

Failure to admit: If you falsely deny a request, the court may order you to pay attorney fees and the costs incurred by the other party. This, too, may affect the outcome of the case.

Responding after the deadline

Missing the deadline for filing your response to the request may cause you serious problems. If that's the case, you may need to contact your attorney to evaluate your options.

The propounding party will file a motion to have the admissions admitted. As a result, the judge will consider the admissions as true, reducing your chances of proving otherwise. However, some states allow you to prevent the judge from deeming the admissions as conclusively proven if you respond to the request before the hearing. The court may still order you to pay the court fees and the fees incurred by the other party.

Alternatively, you may file a motion to oppose or prevent the judge from considering the admissions as true. The motion should include your explanation of why you failed to respond to the request on time.

FAQs on responding to a Request for Admissions

Here are some of the common questions about the Request for Admissions.

What is the purpose of the Request for Admissions?

The purpose of a Request for Admissions is to reduce the time for deciding a case by determining which facts about the lawsuit the parties mutually agree upon. As a result, it reduces the time spent on investigations and presenting facts before a judge during trial.

What are the remedies against a party that fails to respond to a Request for Admissions?

If a party fails to respond to your Request for Admissions on time, you may request the court to deem all the requests conclusively true. These requests may include statements, applied laws, or document verification.

Key takeaways on responding to a Request for Admissions

A Request for Admissions is a vital step in a lawsuit—it significantly reduces the time and costs involved throughout the lawsuit. Usually, you have up to 30 days to respond to this request. But, given that this deadline varies from state to state, it's important to verify your state's deadline upon receiving the request.

In your answer, you can either admit to every claim, deny every claim, or admit to only a section of the claims.

Your response must also abide by the Code of Civil Procedure to be acceptable by the court. This may be a difficult task to accomplish without the help of an experienced attorney.

What is Solo?

Solo makes it easy to resolve debt with debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt. SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

SoloSettle can help you contact your debt collector or creditor and negotiate the debt to settle for less, all online. It simplifies and streamlines the process to settling your debt.

No matter where you find yourself in the debt collection process, Solo is here to help you resolve your debt.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

Arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

Credit

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt settlement

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

Eviction

Facing an eviction? The following guides will help you navigate your situation with confidence.

Federal debt collection laws

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.

"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather