How to Respond to a Utah Summons for Debt (2024 Guide)

Edited by Hannah Locklear

Getting sued for debt is just the worst. If the debt collector wins, they can garnish your wages or even gain access to your bank account to retrieve their money. Luckily, you can avoid this by responding to the lawsuit before the deadline to respond runs out.

This article will make the process easier and tell you what you need to know to respond to a debt lawsuit in Utah, keeping in mind the Utah debt collection laws.

Table of Contents

• Deadline
• Steps to Respond
• Filing Fees
• Utah Answer to Summons Forms
• Debt Collector Tricks
• Utah Debt Collection Laws
• Statute of Limitations on Debt in Utah
• Settle Debt in Utah
• Stop Wage Garnishment in Utah
• Avoid Default Judgment
• Motion to Satisfy Judgment in Utah
• Utah Debt Relief
• Utah Debt Collection FAQs
• Utah Courts

File an Answer to a Summons in Utah before the state deadline

You know you're being sued for a debt if you receive court documents in the mail (usually via certified mail) saying you're being sued for a debt. These documents are called the Summons and Complaint. The Summons and Complaint may also be served to you by a process server.

In a debt collection case, the Summons notifies you of the lawsuit and the parties—people or businesses—involved in the case. On the other hand, the Complaint lists the specific claims that are being made against you.

There is a deadline to respond to a debt lawsuit in Utah. Here's what Rule 12(a) of Utah Rules of Civil Procedure says about it:

Unless otherwise provided by statute or order of the court, a defendant must serve an answer within 21 days after the service of the summons and complaint is complete within the state and within 30 days after service of the summons and complaint is complete outside the state.

This is just a fancy way to say that you have 21 days from the time you receive the Summons and Complaint to file your Answer in Utah courts. You can respond with an Answer document or a Motion. Responding with an Answer is usually the best first step to take when you fight a debt lawsuit.

Follow these steps to respond to a Utah debt collection case

With the 21-day deadline in mind, it's time to take action. Follow these three steps to respond to a Summons and Complaint in Utah:

1. Answer each claim listed in the Complaint document.
2. Assert your affirmative defenses.
3. File the Answer with the court and serve the plaintiff.

Let's take a look at each in detail. Don't like reading? Watch the video below instead:

1. Answer each claim listed in the Complaint document

Answering a Complaint may seem intimidating, but the process is really quite simple. All you have to do is read the Complaint carefully and decide how you want to respond to each numbered claim. The first section of your Answer should be a numbered list where you answer each claim from the Complaint in the same order.

You can respond to each claim with one of these three options:

• Admit—like saying, “This is true.”
• Deny—like saying, “Prove it.”
• Deny due to lack of knowledge—like saying, “I don't know.”

Most attorneys suggest that you deny as many claims in your Answer as possible. In a debt lawsuit, the burden of proof is on the plaintiff, or the person suing. This means that, whenever you deny a claim, the plaintiff has to submit evidence to the court proving their claim. If they don't have the proper documentation to prove their case, they will most likely dismiss the case instead of continuing to pursue it.

Let's take a look at an example.

2. Assert your affirmative defenses

After you've responded to each claim from the Complaint, you are ready for the next section of your Answer document, which is where you will assert your affirmative defenses.

An affirmative defense is any reason that the plaintiff should lose the case, even if their claims end up being true. Below are some common affirmative defenses for debt collection cases:

• The account with the debt is not yours.
• The contract was already canceled, meaning you don't owe the creditor anything.
• The statute of limitations has expired. A statute of limitations is a law that sets a deadline on an action. In this case, Utah's statute of limitations sets the deadline for debt collection at six years. This means that you can't be sued for a debt based on an account that has been inactive for six years or more.
• The debt was paid or excused.
• The debt was partially paid.
• You were a co-signer, but you were not informed of your rights as a co-signer.

These are examples of affirmative defenses acceptable by the courts. Notably, being unable to pay the debt is not a legal defense.

Here's an example of a consumer who used affirmative defenses to their advantage.

3. File the Answer with the court and serve the plaintiff

After drafting your Answer with your responses and affirmative defenses, it's ready to be filed with the court. Surprisingly, many consumers find this step the hardest. If you don't have any attorney representing you in Utah, the courts require that you file the Answer by mail or in person. So, here's what you need to do:

• Print two copies of your Answer.
• Mail one copy to the court.
• Mail the other copy to the plaintiff's attorney.

The address for the plaintiff and court should be in the Summons and Complaint you received in the mail. The attorney's address should be on the top left of the first page. The court's address should be in the first two paragraphs.

Beware of filing fees in Utah

Many courts charge a filing fee to respond to a debt collection lawsuit. If you're being sued in Utah, you're in luck. Utah does not charge any fees to file an Answer.

However, there may be other filing fees associated with debt lawsuit documents if you decide to enter any other legal actions into the case. For example, if you decide to file a counterclaim against the debt collector, there is a fee.

Click here to learn more about civil filing fees in Utah.

Use these Utah Answer to Summons forms

The easiest way to draft an Answer to a debt Summons without an attorney is through the SoloSuit Answer form which takes minutes to complete online. To use this form, you respond to a series of questions about your Utah debt collection lawsuit, and the SoloSuit software helps generate a personalized Answer document that is fit to file in any court in Utah.

Utah's judicial branch website also provides an Answer form, but this one is harder to fill out because it's not an automated process. You'll have to manually add your response and ensure you use the right legal language to defend your rights. With SoloSuit's Answer form, the proper legal language and formatting is included and automated.

Debt collectors use tricks to get money

Debt collectors and the lawyers they hire sometimes use questionable tactics to ensure you lose your case.

Legalese: For example, lawyers use a language called legalese. This term means using complicated words like defendant, plaintiff, hereby, and herein to prevent the other party from understanding what they mean. Lawyers mostly use this language as an intimidation tactic. It isn't legally required to communicate this way.

There is a large movement pushing legal professionals to stop using legalese and communicate in plain English. But lawyers continue to use legalese to make it difficult for the average person to know what is happening in their lawsuit.

The best approach to deal with legalese is to search for the difficult legal terms on Google. Most of the words you don't recognize will probably come up with a “Law” or “Archaic” tag.

Serving you before filing with the courts: A second example of dirty tactics Utah collections may use is serving you before filing with the courts. This move is really sneaky. Some debt collectors in Utah will serve you first then file the case with the courts 10 days later. If they do this, your Summons and Complaint will not have a case number assigned yet, making it more difficult to find your case with the court and get more details.

According to Utah's Rules of Civil Procedure, Rule 3(a), this isn't illegal. But it does make the process more tricky for the person being sued, especially when most people in this position don't know much about the legal system to begin with. When you call the court to ask for your case file, the clerk will ask for the case number. If you do not have a case number, the court can't help point you in the right direction.

Being aware of this rule can help prepare you. Wait 10 days after receiving the Summons and Complaint to ask the court for your case number. You can call the court or take a trip down to the courthouse. Once you have your case number, get your Answer filed as quickly as possible.

Utah debt collection laws protect you

Having a past-due account is already stressful. You don't want to put up with harassment and abuse from debt collectors. Fortunately, Utah debt collection laws protect you.

These laws govern all aspects of debt collection.

• Prohibits excessive debt collector communication: Debt collectors can call, email, send letters, and contact you via social media, but there are limits according to 15 U.S. Code § 1692c. For example, debt collectors may not contact you multiple times daily about the same debt. Also, they should stop contacting you directly if you ask them through a Cease and Desist letter or if you direct them to speak with your attorney. You can legally record debt collection calls in Utah to gather evidence of harassment.


• Handling debt collection lawsuits in Utah: Debt collection lawsuits give creditors alternative means to collect debt. Even then, utilizing Utah laws protects consumers. For example, you have 21 days to respond to a debt collection lawsuit. That provision allows you reasonable time and an opportunity to defend yourself. (Utah Rule of Civil Procedure 12a)


• Wage garnishment: A judgment creditor can garnish wages to recover their money. Utah Code Section 78B-2-311 allows them to collect on a judgment for eight years, although they would have to renew writs yearly. Even then, some of your earnings are exempt from garnishment.


• Statutes of limitations on debt: Once the statute of limitations has passed, the creditor cannot sue you for a debt. They have up to six years since you last made payments in the account.

Although debt collection is stressful, some laws protect you. Understanding them can relieve pressure and even help you get out of debt.

Now, let's take a closer look at how the statute of limitations on debt works in Utah.

The statute of limitations on debt in Utah sets a timeline for collectors to take legal aciton

You may not have to pay that old debt after all. The statute of limitations limits how long a creditor can pursue legal solutions to past-due debt. The point is that evidence is lost, obscured, or irretrievable with time. Recollection of facts may be inaccurate. Allowing such a lawsuit to proceed would be unfair.

How long is the statute of limitations on debt in Utah?

The Utah statute of limitations on debt is six years, typically, but it differs for different types of contracts. For written agreements, the opportunity to sue expires in six years, verbal contracts last four years, and unpaid debts from open accounts remain subject to legal action for four years. The table below further outlines the statute of limitations on different types of debt in Utah.

Statute of Limitations on Debt in Utah

Debt Type	Deadline
Credit Card	6 years
Medical	6 years
Student Loan	6 years
Auto Loan	6 years
Mortgage	6 years
Personal Loan	6 years
Judgment	8 years
Source: Utah Code § 78B-2-309/311

Some contractual Agreements may allow a different law to apply in that specific case. For example, many credit card agreements include a “choice of law” provision that designates a particular state law to use if there is a dispute.

When does the statute of limitations begin?

In most instances, the clock for the statute of limitations begins when a contract is purportedly breached. For example, for unpaid credit card debt, the date of the breach can be the date of the last payment or the date of the latest charge, whichever is later.

Certain conditions within the contract may cause a breach. For example, if an auto loan requires the purchaser to maintain insurance on the vehicle, a breach happens on the day the insurance lapses.

Closely reviewing your contract can reveal other conditions that may trigger a breach.

Note: You can unwittingly reset the clock on old debts if you are not careful. Creditors know this and may ask you to make a small payment or sign a written acknowledgment that you owe the debt. Your acknowledgment effectively revives the debt, resetting the clock for the statute of limitations.

Utah's borrowing statute

Utah is unique because it has two applicable laws - a general statute of limitations on debts and a statute of limitations based on Utah's “borrowing statute” in Section 78B-2-103 of the Utah Code.

According to this statute, any “cause of action which arises in another jurisdiction” and is time-barred by that state's statute of limitations is also time-barred in Utah unless specific facts apply.

What if I am sued for a debt past the statute of limitations?

Do not ignore the lawsuit if you are sued for an old debt. File a response and list the passed statute of limitations as a defense.

Filing a time-barred debt collection lawsuit violates the Fair Debt Collection Practices Act (FDCPA). You may seek actual or statutory compensation for each breach.

How to settle debt in Utah

You can settle a debt for less at any point during collection, but it becomes crucial when dealing with a lawsuit. Settling out of court saves you court hearings, time, and money.

Resolving the lawsuit out of court involves more than negotiating with the plaintiff. You must keep up with the court requirements. If you plan to settle the debt with your creditors, take the following steps.

First, respond to the lawsuit by filing an Answer.

For every lawsuit filed against you, you'll receive a Summons and a Complaint document. You should file a response to the court. The response acknowledges that you received the papers and allows you to assert your affirmative defenses and reply to each complaint.

Responding to the Summons is necessary even if you hope to settle before your court date. The plaintiff receives a copy of the response and may agree to a settlement if they see that they cannot break down your defense case. Additionally, it protects you if negotiations fail and you must carry on with litigation.

If you are served court papers within Utah, you have 21 days to respond. Be sure to beat the deadline to ensure your response is admissible.

Next, make an offer to start negotiations.

Settling debt works best if you can make a lump sum payment at once. Therefore, you must raise a considerable percentage of the balance before approaching creditors. Determine how much you have saved and if you can increase that amount in the coming weeks. Cutting back on some expenses can raise additional funds.

Creditors will take your offer seriously if you start at around 60%. Eventually, most accept a 71% settlement, but they may take slightly less if you can prove it is a good deal.

Expect several rounds of negotiations and bargaining. Despite the pressure, only accept what you can afford to pay by the set date. Missed payments destroy creditors' trust, and they likely prefer a legal solution.

Third, get a written settlement agreement.

The relief that comes with accepting a settlement offer is exciting. However, before paying, ensure you have the agreement in writing. A debt settlement agreement is legally binding, so the creditor must respect it. Without a written document, they can go back on their word and insist that you pay the debt in full or take you back to court.

The agreement should capture all the essential facts as demonstrated in this sample.

Utah debt settlement companies

Debt settlement companies help consumers negotiate lower amounts. There are several such companies in Utah.

• SoloSettle: This is a tech-driven approach to debt settlement, utilizing a software to send and receive settlement offers. SoloSettle is unique because it doesn't require a minimum debt amount. Where some debt settlement companies work with consumers with more than $10,000 in debt, SoloSuit, which powers SoloSettle, helps everyone.

• Accredited Debt relief: Consumers make monthly payments to the company, which uses the funds to offer a settlement. Accredited Debt Relief programs typically last two to four years and cost debtors 15% to 25% of the total debt.

• Freedom Debt Relief: Freedom Debt Relief has been around since 2002 and has helped consumers settle billions of dollars in debt. It charges fees of between 15% and 25% for its services.

No matter how bleak your situation seems, getting out of debt is possible in Utah. You may need discipline to save up and negotiate frankly with creditors and debt collectors, but it is doable.

To negotiate debt settlement on your own in Utah, use these tips and tricks from a real attorney:

Stop wage garnishment in Utah.

A court might order wage garnishment if you are late on debt repayment. UT Code § 70C-7-103 permits creditors to garnish up to 25% of a debtor’s disposable earnings. Alternatively, creditors can take the amount of your disposable earnings that exceeds 30 times the federal minimum hourly wage if that is less than 25% of your disposable earnings.

Disposable income is the amount you have left after taxes and mandatory deductions. In Utah, wage garnishment may apply if you don't pay child support, taxes, or consumer debt.

How to stop wage garnishment

Even after the garnishment starts, you may have a way to stop it.

• Talk to the creditor. It's always possible to negotiate. Your creditor may allow you to pay the debt in full to stop garnishing your paycheck.
• Request a hearing for excessive garnishments. You can file a request with the court within ten days of receiving the notice to contest a garnishment.
• File a claim for exemptions. Some of your income is exempt from garnishment. You may file for exemptions if someone takes some of your money from the following sources: supplemental security income, public assistance benefits, Worker's Compensation, veterans benefit, Social Security benefits, unemployment compensation
• File for bankruptcy. Utah bankruptcy triggers an automatic stay on wage garnishment and other collection actions. The break allows you time to reorganize your finances. Eventually, bankruptcy discharges some debts.

You can prevent wage garnishment with a debt settlement. Use SoloSettle to negotiate for a fair amount.

How to avoid a default judgment

In Utah, over 50 percent of all cases are for debt collection. This equals about 54,000 cases a year. So if you are being sued for a debt, you aren't alone. In about 90% of these 54,000 cases, the debtor automatically loses their case simply because they never filed an Answer. This is called losing by default judgment.

Consumers don't file an answer because they believe they need an attorney to file it and they can't afford one. Secondly, they believe the courts are difficult to navigate alone without legal experience.

These assumptions are not correct because SoloSuit has managed to serve over 250,000 consumers. None of these consumers had to hire a lawyer or go to the courts to deliver their Answer. They were able to represent themselves and take a stand in court.

Utah collections agencies usually expect to win automatically because they know consumers do not understand the legal process for responding to a debt collection Utah lawsuit.

To increase your winning chances, use SoloSuit as a resource. You can participate in our services, or you can search our blog for relevant topics. We have helpful information to guide you through every step of your Utah lawsuit.

How to file a Motion to Satisfy Judgment in Utah

If you lose a debt collection lawsuit, the judgment creditor will find a way to collect the money. You may reach a repayment plan. They may garnish your wages or place liens on your bank accounts.

Satisfaction of a judgment means that the debtor has paid or resolved all debts, and the court no longer has an obligation over the parties.

Once you have completed the repayment plan, you need a certificate of satisfaction to show that the debt is resolved. This requires you to file a Motion to Satisfy Judgment.

The creditor should file an acknowledgment telling the court that you have satisfied your obligations. If they don't, the debtor files this Motion to Satisfy Judgment.

You'll need to file three separate documents:

• Debtor’s Motion to Declare the Judgment Satisfied
• Request to Submit for Decision
• Findings of Fact, Conclusions of Law, and Order on Debtor’s Motion to Declare Judgment Satisfied

You can complete each document by clicking on the link. Once you've done so, follow these rules to file.

You must then present the certificate in the appropriate court. If a judgment has been filed in any other court than the primary court, file the proof of satisfaction there as well.

Filing the Motion for Satisfaction of Judgment is more straightforward if you keep good records.

A creditor's acknowledgment of satisfaction of judgment

A creditor’s acknowledgment of satisfaction lets the court know that the debt has been settled and the case is closed. The creditor files an acknowledgment of satisfaction in the appropriate court and gives the debtor a copy of the document.

Resolving a judgment debt is a great feeling. So when you receive certification, file it with the court to end its involvement in the case.

Find debt relief in Utah

Missing a credit payment account can take your account to collections. The collection agent will use every means to recover what you owe.

For the consumer, debt collection is an unsettling process. If the missed payments go to your report, your credit score will take a hit. In the meantime, unscheduled collection calls and constant reminders bombard your life.

It's no wonder that seeking debt relief in Utah is at the top of your list. It helps you achieve one or more of the following:

• Catch up on repayment
• Reduce the amount of debt
• Get rid of the debt
• Get lower interest rates
• Access financial assistance to care for your daily needs
• Get debts discharged in bankruptcy

The debt relief option you choose determines the benefits you get.

Utah has debt relief programs.

Utah provides financial assistance for consumers in serious financial difficulties. Check whether you qualify for any of these programs.

• Homeless Prevention Program
• Family Employment Program
• General Assistance
• Kids In Care
• Supplemental Nutrition Assistance Program (SNAP)
• ABLE Program
• Private Student Loan Relief

Debt relief options in Utah

If you don’t qualify for any of the financial assistance programs listed above, consider other debt relief options. Your short-term goal is to make your situation more manageable, with the prospect of eventually eliminating the debt. Utah consumers have used the following debt relief methods to achieve their goals.

• Pay the bare minimum each month: If you are servicing several accounts, consider reviewing how much money you have assigned to each debt. While paying off one account is exciting, doing so while letting others go delinquent can damage your credit. If your finances allow, make minimum repayments to each account.


• Debt settlement or negotiation can help: Debt settlement can reduce the principal amount and lower the interest. You can get your creditor to review interest rates or forgive part of the debt by negotiating. On average, creditors generally accept 71% to settle an account. You may negotiate for settlement yourself or hire a debt settlement company.


• Seek debt management or credit counseling in Utah: Utah residents have access to free credit management programs. This plan works by making regular payments to the credit counselor, who pays your creditors. You'll still pay the principal amount, but the counselor may successfully negotiate for lower interest rates.


• Debt consolidation works for some but deserves caution: Debt consolidation works for consumers with a steady income because the new loan you take to repay your debts needs monthly payments. The new loan must have lower interest rates to save you money, which rates are usually difficult to access for debtors already struggling with delinquency.


• File for bankruptcy: Declaring bankruptcy halts collections. Once approved, it can relieve consumers of some or all of their unsecured consumer debts.

Gyms can sue you for not paying

A question we often receive is, can gyms send you to collections? Or can a gym sue you for not paying? Let's use an example to answer that question.

Example: Scott owes a year's worth of payments to a gym for a membership. The gym tries to collect those payments for another year, without any success. The gym sells that debt to a Utah collections debt collector. The debt collector sues Scott for the amount owed plus court costs and attorney fees, which equals about $500. If Scott doesn't respond in 21 days, he may owe up to $1500 plus interest.

To answer the earlier question, Yes, gyms can sue you for not paying and you may end up like Scott if you do not respond to the lawsuit with a written Answer.

Keep reading for other frequently asked questions.

Frequently Asked Questions

Can I sue my debt collector?

Yes. You can sue your debt collector or another party involved. Suing the creditor after they sue you is called a counterclaim. Suing another party involved in your current case is called a crossclaim. If you believe the creditor violated the Fair Debt Collection Practices Act, be sure to state this in your counterclaim.

Can you settle a debt after being served?

Yes. Most people who use SoloSuit settle their debt after being sued. They'll have a pre-trial settlement conference or use mediation where they discuss the debt with the collector and come to an arrangement. Usually, the debtor can negotiate down the debt after filing an Answer. The two parties will decide on a stipulated payment plan, a legally enforceable document that lays out a payment schedule.

What do you do if a debt collector sues you?

If a debt collector sues you, respond to the lawsuit by filing an answer within 21 days of receiving the Summons and Complaint in Utah. You can use SoloSuitto draft and file your Answer.

How long can a creditor collect on a debt in Utah?

The statute of limitations on Utah debt varies depending on the case type, how you entered the debt, and its legal state. Generally, the debt collection law regarding the expiry date is as follows:

• 4 years for credit card debt and spoken contracts
• 6 years for written contracts
• 8 years for federal and state judgments

What percentage do creditors usually settle for?

After filing an answer using SoloSuit, people are able to negotiate down their debt to around 40%-80% of the original debt. If you want to wrap up the case fast, you can lead with your best offer, maybe starting with 51%. So, in negotiation, start low, around 15%, and adjust upwards. For instance, if you owe a debt of $1,000 and have already filed your Answer using SoloSuit, you can start with an offer of $510. Start the negotiation process by sending an offer for free with SoloSettle.

Can Utah collections take you to court?

Yes, debt collectors can take you to court for a debt. Many consumers don't realize this until it is too late. They assume they can avoid paying a debt forever. But, the creditor has the right to sue you for the debt as long as it is within the statute of limitations.

What happens when you get a Summons for debt?

When you receive a Summons for a debt, it means you are being sued. Along with the Summons, you should receive a Complaint document. You need to respond to the Complaint by filing an Answer with the courts and serving an Answer to the plaintiff. You can do this with SoloSuit.

How do you respond to a debt lawsuit without a lawyer?

You can respond to a debt lawsuit without an attorney using your state court's website to find resources like templates that you can fill out to respond. Or you can use SoloSuit's drafted Answer and customize it to your case situation. Oftentimes, people are sued for a debt of less than $1000. Many attorneys require a $3000 retainer to get involved in a lawsuit. It doesn't make sense to pay an attorney $3000 for a $1000 debt.

You can save the money and stress of finding an attorney and represent yourself with SoloSuit's help.

What happens when someone sues you and you have no money?

If you're being sued for a debt and you have no money, you aren't totally off of the hook. If you lose the lawsuit, the debt will increase in size, because the creditor's attorney fees will be added to the debt. Also, the creditor can collect the debt for another 8 years. That means if you get an income in those 8 years, the creditor can garnish it. Additionally, the creditor can put a lien on your assets like a house or a car meaning if you sell the house or car, the money goes first to pay off the debt.

How many days do you have to respond to a lawsuit?

If you are being sued in Utah and you receive the lawsuit in the mail, you have 21 calendar days to respond if you were served the Summons and Complaint in Utah. If you are being sued in Utah and received the court documents outside of the state, you have 30 days to respond. This includes weekends and holidays. If you don't file a response within the deadline, you will most likely lose your case automatically.

What happens if you ignore a lawsuit?

Sadly, ignoring a debt lawsuit doesn't make it go away. It only makes it worse. Here's what will happen if you ignore a debt lawsuit:

• Automatically lose your case: This is called default judgment and it occurs if you don't file within the 21–30 days allotted in Utah.
• Owe attorneys fees: Even if you don't hire an attorney, when you lose your case you must pay the attorneys fees for the opposing party.
• Garnished wages: When you lose, the opposing party will be allowed to garnish 25% of your paycheck. This means they take 25% out of every paycheck automatically.
• Liens: The opposing party can put a lien on your property and you have to pay them first after selling your property or assets.

File an Answer in your local Utah court

Ready to file your Answer? Find your local Utah court below to get started.

• In the Third Judicial District Court State of Utah Salt Lake County
• In the Third Judicial District Court State of Utah County of Salt Lake
• In the Sanpete County District Court State of Utah
• In the Emery County Justice Court State of Utah
• In the Sevier County Justice Court State of Utah
• In the Eighth District Court Roosevelt State of Utah
• In the San Juan County Justice Court State of Utah
• In the Manti Justice Court State of Utah
• In the Utahstate Court State of Utah
• In the Park City District Court State of Utah
• In the Duchesne County Court State of Utah
• In the Second District Court State of Utah Davis County, Farmington Department
• In the West Jordan District Court Salt Lake County State of Utah
• In the Murray City Justice Court State of Utah
• In the Fourth District Court, Provo Department In and for Utah County, State of Utah
• In the Juab County Court State of Utah
• In the Alta Justice Court State of Utah
• In the Washington City Justice Court State of Utah
• In the Carbon County District Court State of Utah
• In the Grand County Seventh District Court State of Utah
• In the Grand County Court State of Utah
• In the Utah County Court State of Utah
• In the Cache County Court State of Utah
• In the Wasatch County Court State of Utah
• In the Wasatch County Justice Court State of Utah
• In the Carbon County Court State of Utah
• In the Emery County Court State of Utah
• In the Rich County Court State of Utah
• In the St. George District Court State of Utah
• In the Sandy Justice Court State of Utah
• In the Duchesne W Justice Court State of Utah
• In the South Salt Lake Justice Court State of Utah
• In the Beaver County Court State of Utah
• In the Centerville Justice Court State of Utah
• In the Ogden District Court Weber County State of Utah
• In the Duschesne County Court State of Utah
• In the Taylorsville Municipal Justice Court State of Utah
• In the Seventh District Court Monticello State of Utah
• In the San Juan County Court State of Utah
• In the Ogden Justice Court State of Utah
• In the Supreme Court of Utah State of Utah
• In the Salt Lake City Justice Courts State of Utah
• In the Us District Court, District of Utah State of Utah
• In the West Valley Justice Court State of Utah
• In the Harrisville Court State of Utah
• In the Utah Third District Court State of Utah
• In the South Ogden Justice Court State of Utah
• In the Fifth District Court State of Utah
• In the Iron County Court State of Utah
• In the Layton District Court Davis County State of Utah
• In the Box Elder County Court State of Utah
• In the Payson City Court State of Utah
• In the Logan Justice Court State of Utah
• In the Holladay Justice Court State of Utah
• In the Morgan County Court State of Utah
• In the North Ogden Court State of Utah
• In the Garfield County Court State of Utah
• In the Piute County Court State of Utah
• In the Summit County Court State of Utah
• In the Murray Municipal Justice Court State of Utah
• In the Tooele County Court State of Utah
• In the Carbon County Justice Court State of Utah
• In the Kane County Court State of Utah
• In the Millard County Court State of Utah
• In the Millard County Justice Court East Courtroom State of Utah
• In the Spanish Fork District Court Utah County State of Utah
• In the Fourth Judicial District Court, State of Utah Utah County, Spanish Fork Department
• In the Davis County Justice Court State of Utah
• In the Farmington District Court Davis County State of Utah
• In the Second District Court State of Utah
• In the Bountiful District Court Davis County State of Utah
• In the Third District Court, West Jordan State of Utah
• In the West Jordan Justice Court State of Utah
• In the Sevier County Court State of Utah
• In the Washington County Justice Court State of Utah
• In the Uintah County Court State of Utah
• In the Daggett County Court State of Utah
• In the Daggett County District Courthouse State of Utah
• In the Orem City Justice Court State of Utah
• In the Hildale Justice Court State of Utah
• In the Millard County Justice Court State of Utah
• In the Sanpete County Court State of Utah
• In the Springville City Justice Court State of Utah
• In the Wayne County Court State of Utah
• In the Utah County Justice Court State of Utah
• In the Salem District Court Utah County State of Utah
• In the American Fork District Court Utah County State of Utah
• In the Pleasent Grove Justice Court State of Utah
• In the Riverton City Justice Court State of Utah
• In the First Judicial District Court, State of Utah Cache County, Logan Department
• Fifth Judicial District Court, State of Utah Beaver County, Beaver Department
• In the Eighth Judicial District Court, State of Utah Uintah County, Vernal
• Third District Court, State of Utah Tooele County, Tooele Department

>>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

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont; Vermont (Small Claims court)
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to resolve debt with every debt collector

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

• 11 Charter Communications
• AAA Collections
• Aargon Agency Inc
• Absolute Resolutions Investments LLC
• ACEI Collections
• Account Services
• Accredited Collection Services
• Accredited Collection Services
• Advanced Recovery Systems
• AES NCT
• AFNI Collections
• Alco Capital Group LLC
• Aldous and Associates
• Alliance Collections
• Alliance One
• Alliant Capital Management
• Alpha Recovery Corp
• Alltran Financial
• Alltran Health
• Alorica Inc.
• Amcol Clmbia in Court
• American Coradius International
• American Profit Recovery
• American Recovery Service
• Americollect
• AmSher Collection Services
• Apelles LLC
• AR Resources
• ARC Collections
• ARM Solutions
• Arrow Financial Services
• ARS National Services
• ARSC Debt Collectors
• ARS National Services
• ARstrat
• AscensionPoint Recovery Services
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Atlantic Credit and Finance
• Atradius Collections
• Automated Collection Services, Inc.
• Autovest LLC
• Avante USA
• Avantus
• AWA Collections
• Balekian Hayes
• Bay Area Receivables
• BCA Financial Services
• BC Services
• Benuck and Rainey
• Berlin-Wheeler
• Bluebonnet Financial LLC
• Bonneville Collections
• Bull City Financial
• Bureaus Investment Group
• Cach LLC
• Caine and Weiner
• Capio Partners
• Capital Accounts
• Capital Collections
• Capital Management Services
• CardWorks
• Carmel Financial/New Coast Direct
• Cavalry SPV I LLC
• CBCInnovis
• CBCS Collections
• CBE Group
• CBV Collections
• CCB Credit Services
• CCS Collections
• CCS Offices
• Central Mediation Services
• Central Portfolio Control
• Cerastes LLC
• Choice Recovery
• Choice Recovery Inc
• CKS Financial
• CKMS Financial
• Client Services
• CMRE Financial Services
• COAF
• Coast Professional
• Comenity Bank Debt Collection
• Commonwealth Financial
• ConServe Debt Collection
• Consumer Collection Management
• Contract Callers Inc
• Convergent Healthcare Recoveries
• Convergent Outsourcing
• Couch Conville & Blitt
• Covington Credit
• CRDT First
• Credco in Court
• Credence Resource Management
• Credit Bureau Systems
• Credit Control Corporation
• Credit Management Company
• Credit Management LP
• Credit Systems
• Credit Systems
• CSIEZPay
• CTC Debt Collector
• CVCS Debt Collection
• Cypress Financial Recoveries
• D&A Services
• Daniels, Norelli, Cecere & Tavel P.C.
• DCM Services
• Debt Recovery Solutions
• Delanor Kemper & Associates
• Department Stores National Bank
• Direct Recovery Associates
• Discover Collections
• Diversified Adjustment
• Diversified Consultants
• Diversified Recovery Bureau
• DNF Associates, LLC
• Dodeka LLC
• DRS Credit
• Dynamic Collectors
• Eagle Loan
• Eagle Accounts Group, Inc.
• Eastern Account System
• EduCap
• Ellington and Associates Collections
• Encore Capital Group
• Enerson Law
• Enerson Law LLC
• Enhanced Recovery Company
• EOS CCA
• ERC Collections
• ERSolutions
• Estate Information Services
• Equable Ascent Financial
• Everest Business Funding
• Executive Credit Management
• Faber and Brand
• Factual Data
• Falls Collection Service
• FBCS
• FCO Collections and Outsourcing
• FIA Card Services
• fin rec svc (Financial Recovery Services)
• First Federal Credit Credit Control
• First Financial Bank
• First Portfolio Ventures LLC
• First Progress
• FirstPoint Collection Resources
• Firstsource Advantage
• FMA Alliance
• FNB Omaha
• Forster & Garbus
• Franklin Collection Services
• Freedom Plus
• Freshview Solutions
• Frontline Asset
• Frost Arnett
• Fulton Friedman & Gullace LLP
• Galaxy International Purchasing, LLC
• GC Debt Collection
• GC Services
• General Revenue Corporation
• GLA Collections
• Glass Mountain Capital
• Glasser and Glasser
• Global Credit Collection Corp
• Global Trust Management
• GMAC Financing
• Golden 1 Credit Union
• Grant and Weber
• Grant Mercantile Agency
• Gulf Coast Collection Bureau
• Gurstel
• Halsted Financial Services
• Harris and Harris
• Harvard Collection
• Harvest Credit Management
• Helvey and Associates
• Hollis Cobb
• Holloway Moxley
• Hosto Buchan
• Howard Lee Schiff
• H&R Accounts
• HRRG
• Hudson & Keyse LLC?
• Hunter Warfield
• IC System
• Impact Receivables Management
• Innovative Recovery
• Integras Capital Recovery LLC
• Javitch Block
• JHPDE Finance 1 LLC
• JP Receivables Management Partners
• JPMCB card
• Kenneth Eisen and Associates
• KeyBank student loans
• Kinum
• Kirschenbaum, Phillips & Levy P.C.
• KLS Financial Services
• Kramer & Frank
• Lakeside Collection
• Lending Club
• Lincoln and Morgan Kabbage
• Linebarger Goggan Blair & Sampson LLP
• Lockhart Collection Agency
• LJ Ross Associates
• LTD Collections
• Malcolm S. Gerald and Associates
• Malen & Associates
• Mandarich Law Group
• Mannbracken
• Marcam Associates
• MARS Inc. Collections
• MBA Law
• MCA Management Company
• McCarthy, Burgess & Wolff
• Meade & Associates
• Medicredit
• Mercantile Adjustment Bureau
• Merchants Credit Association
• MGM Collections
• Michael J Adams PC
• Midland Funding LLC
• Mid-South Adjustment
• Monarch Recovery
• Monterey Financial
• Moss Law Firm
• Mountain Land Collections
• MRS Associates
• MRS BPO
• MSW Capital LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Nathan and Nathan PC
• National Collegiate Trust
• National Credit Adjusters
• National Credit Care
• National Credit Systems
• National Enterprise Systems
• National Recovery Agency
• National Recovery Solutions
• Nationstar
• Nationwide Credit
• Nationwide Recovery Services
• Nationwide Recovery Systems
• NCEP LLC
• NCO Financial Systems Incorporated
• North American Recovery
• Northland Group
• Northstar Capital Acquisition
• Northstar Location Services
• NPAS
• NRC Collection Agency
• Oliver Adjustment Company
• Oliphant Financial, LLC
• Oportun
• P&B Capital Group
• PCB Collections Agency
• Palisades Collection LLC
• Pallida LLC
• Paragon Contracting Services
• Paragon Revenue Group
• Payday Loan Debt Collectors
• Pendrick Capital Partners
• Penn Credit
• Perdue Brandon
• Persolve LLC
• Phillips & Cohen Associates
• Phoenix Financial Services
• Pioneer Credit Recovery
• PMAB LLC
• PRA Group, Inc.
• Pressler, Felt & Warshaw LLP
• Prestige Services, Inc.
• Prince Parker and Associates
• ProCollect
• Professional Finance Company
• Progressive Management Systems
• Provest Law
• PYOD LLC
• Quaternary Collection Agency
• RAB Collection Agency
• Rash Curtis and Associates
• Radius Global SOL
• Radius Global Solutions
• Rawlings Company
• Razor Capital
• Real Time Resolutions
• Receivables Performance Management
• Regents and Associates
• Reliant Capital Solutions
• RentGrow
• Resurgent
• Resurgent Capital Services and LVNV Funding
• Revco Solutions
• Revenue Enterprises LLC
• Revenue Group
• RGS Financial, Inc.
• RMP LLC in Court
• RMP Services
• RS Clark and Associates
• RSIEH
• RSIEH
• RTR Financial Services
• Rubin & Rothman
• Salander Enterprises LLC
• Samara Portfolio Management
• SCA Collections
• Scott Parnell and Associates
• Second Round Collections
• Second Round Sub LLC
• Selip & Stylianou LLP
• Sequium Asset Solutions
• Sessoms and Rogers
• Sherman Acquisition
• Sherman Financial Group
• SIMM Associates
• Source Receivables Management
• Southern Management Systems
• Southwest Credit Group
• Spire Recovery Solutions
• SRS Company
• Stark Collection Agency
• State Collection Service
• Stenger and Stenger
• Stillman Law Office
• Summit Account Resolution
• Sunrise Credit Services
• Superlative RM Debt Collector
• Suttell and Hammer
• Synergetic Communication
• Synerprise Consulting
• The Law Office of Michael J Scott
• Trellis Company
• Troy Capital
• TRS Recovery Services
• TrueAccord
• Tulsa Teachers Credit Union
• UCB Collection
• UHG 1, LLC
• Unifin
• Unifin Debt Collector
• Unifund
• Universal Credit Services
• US Bank Collections
• USAA collections
• USCB America
• Valentine and Kebartas
• Valley Servicing
• Vance & Huffman LLC
• Van Ru Credit Corporation
• Velo Law Office
• Velocity Investments
• Viking Client Services
• Wakefield and Associates
• Waypoint Resource Group
• WCTCB
• Weinberg and Associates
• Weltman, Weinberg & Reis
• Westwood Funding
• Williams and Fudge
• Wilshire Consumer Credit
• Wolpoff & Abramson
• Worldwide Asset Purchasing
• www.AutomotiveCredit.com
• Zarzaur & Schwartz
• Zwicker & Associates

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

• American Express; American Express – Debt Collection
• Bank of America
• Barclay
• Best Buy Credit Card
• Capital One
• Chase
• Credit One Bank
• Old Navy Credit Card
• PayPal Synchrony Card
• Regional Finance
• Retailers National Bank
• Reunion Student Loan Finance Corporation
• SYNCB/PPEXTR
• Synchrony Bank
• Synchrony Walmart Card
• Target National Bank
• Webbank
• Wells Fargo
• Can I Pay My Original Creditor Instead of a Debt Collection Agency?
• Can I Settle a Debt with the Original Creditor?

Settle your medical debt

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

• Am I Responsible for My Spouse's Medical Debt?
• Do I Need a Lawyer for Medical Bills?
• Do I Need a Lawyer to Fight Medical Bill Debt?
• Does Bankruptcy Clear Medical Debt?
• How Much Do Collection Agencies Pay for Medical Debt?
• How to Find Medical Debt Forgiveness Programs
• Is There a Statute of Limitations on Medical Bills?
• Medical Debt Statute of Limitations by State
• Summoned to Court for Medical Bills — What Do I Do?
• Summoned to Court for Medical Bills? What to Do Next

Guides on 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.

• How Arbitration Works
• How to Find an Arbitration Clause in Your Credit Agreement
• How to Make a Motion to Compel Arbitration
• How to Make a Motion to Compel Arbitration in Florida
• How to Make a Motion to Compel Arbitration Without an Attorney
• How Credit Card Arbitration Works
• Motion to Compel Arbitration in California
• Sample Motion to Compel Arbitration

Stop calls from debt collectors

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.

• 1-800-390-7584
• 800-289-8004
• 800-955-6600
• 8009556600
• 877-366-0169
• 877-591-0747
• 800-278-2420
• 800-604-0064
• 800-846-6406
• 877-317-0948
• 888-899-4332
• 888-912-7925
• 202-367-9070
• 502-267-7522

Federal debt collection laws can protect you

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.

• 15 USC 1692 Explained
• Does the Fair Credit Reporting Act Work in Florida?
• FDCPA Violations List
• How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
• How to Make a Fair Debt Collection Practices Act Demand Letter
• How to Submit a Transunion Dispute
• How to Submit an Equifax Dispute
• How to Submit an Experian Dispute
• What Debt Collectors Cannot Do — FDCPA Explained
• What Does Account Information Disputed by Consumer Meets FCRA Requirements Mean?
• What does “meets FCRA requirements” mean?
• What does FCRA stand for?
• What is the Consumer Credit Protection Act