How to File in Monmouth County Courthouse

Edited by Hannah Locklear

A debt collection summons isn't always the greatest news any borrower would like to receive. Sometimes though, debt collectors have no choice but to seek legal action against a delinquent borrower. If you've been sued in Monmouth County, New Jersey, this isn't the time to panic; you just need to know how to file your Answer on time to stand a chance of having a fair hearing.

That's the beginning of your journey towards becoming debt-free. Here's how to answer a debt collection Summons in Monmouth County Courthouse.

File an answer to debt collection lawsuit in 15 minutes with SoloSuit.

The category of claims and deadlines explained

In New Jersey, debt claims fall into three groups, depending on the money owed. They include:

• The Small Claims Court- amounts between $1 and $3,000 filed at Monmouth County Small Claims Court.
• The Law Division, Special Civil Part – amounts between $3,000 and $15,000 filed at the Special Civil Part Court.
• The Law Division Claims – any amount above $15,000 filed at the Law Division of Monmouth Superior Court.

The procedures of the Small Claim Court are often less demanding than those of the Law Division Court. However, if you receive a Summons from any of these courts, you'll be required to respond within 35 days.

If you fail to do so within this period, the judge will automatically rule in favor of the plaintiff in a process called a default judgment.

But if you don't know how to respond to a debt collection summons, you can use SoloSuit to file your answer document in three easy steps. First, this software generates an attorney-approved answer document based on the information you provide. The answer document is then sent to the plaintiff and a copy delivered to the courthouse where the lawsuit was filed.

However, if the lawsuit has been filed in the Law Division Claim category, you can request an extension if you need more time to prepare your Answer.

Avoid a default judgment by responding to debt collectors with SoloSuit.

Steps to responding to a debt collection lawsuit in Monmouth

Debt collectors often hope that you'll fail to respond to the Summons so they may obtain a default judgment against you, which often comes with a wage garnishment order. Whether you owe the debt or not, answering the Summons is the only way to prevent a harsh judgment that adds to the already existing debt burden.

Your clock begins to tick the moment you have been served and in an appropriate manner. The debt collector needs to follow certain rules while delivering the Summons and the Complaint, which you can use in your defense in court if violated.

Here is what to do once you receive the Summons:

• Check for the deadline date usually indicated in the Summons to help you plan your time appropriately.
• Collect all your evidence to bring to trial if you believe you don't owe money.
• Prepare your Answer document, fill in all the required information and respond to all the claims filed against you.
• File a copy of your Answer to the court immediately and also send a copy to the debt collector through their lawyer if they have one or in person.

Alternatively, you can use SoloSuit to create an answer document in minutes. The software will ask you a few questions, generate an attorney-approved Answer document, send a copy to the plaintiff and another to the court where the lawsuit has been filed.

Use SoloSuit to answer a debt collection lawsuit fast and win your case.

What to include in your answer document

Other than your response, your Answer document should include:

• Your personal information, including your name and address.
• Information about the plaintiff, such as the name of the lender, attorney, or the debt collection agency suing you.
• The information about the court, such as the address and the venue where the case will be heard
• Any reference numbers of the case.

Your Answer will also vary according to the circumstances of the case. In general, your Answer can be framed as follows:

• A denial of the claims or a denial of the allegations due to lack of information.
• A response admitting the claims.
• A response claiming that the Summons is directed to the wrong person.

If you believe the plaintiff has no case against you, you must assert your affirmative defense in your Answer. Good examples of affirmative defenses include:

• The debt has already been cleared.
• You were not informed of your rights as a cosigner.
• The amount owed isn't correct, or the debt was partially paid
• The account listed is not yours.
• The debt was discharged in bankruptcy.

How Solosuit can help you file your answer in Monmouth County Courthouse

Solosuit is a web application that can help you respond to a debt lawsuit by generating your Answer exclusively depending on your situation. The software guides you through a set of questions relating to your specific lawsuit and finally generates an Answer. The Answer is then reviewed by an attorney and delivered to the plaintiff and court handling the lawsuit.

SoloSuit can also help you file your Answer directly to Monmouth County Courthouse in New Jersey, so you won't have to struggle with beating deadlines or understanding complex legal processes. As a result, this option offers an opportunity for the defendant to comfortably face the debt collection lawsuit and begin their journey towards a debt-free life.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

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

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

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; File a Motion to Satisfy Judgment Vermont Virginia Washington West Virginia Wisconsin Wyoming

Guides on how to beat every debt collector

Being sued by a different debt collector? We're making guides on how to beat each one.

• Absolute Resolutions Investments LLC
• Accredited Collection Services
• Alliance One
• Amcol Clmbia
• American Recovery Service
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Autovest LLC
• Cach LLC
• Cavalry SPV I LLC
• Cerastes LLC
• Colinfobur
• Covington Credit
• Crown Asset Management
• CTC Debt Collector
• Cypress Financial Recoveries
• Delanor Kemper & Associates
• Eagle Loan of Ohio
• Educap
• Estate Information Services
• FIA Card Services
• Forster & Garbus
• Freshview Solutions
• Fulton Friedman & Gullace LLP
• Harvest Credit Management
• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
• Javitch Block
• Jefferson Capital Systems LLC
• LVNV Funding
• Mannbracken
• Mariner Finance
• Medicredit
• Michael J Adams PC
• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Mountain Land Collections
• MRS Associates
• National Collegiate Trust
• Nationstar Foreclosure
• Northstar Capital Acquisition
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Pallida LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• Provest Law
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• Regents and Associates
• RSIEH
• Salander Enterprises LLC
• Second Round Sub LLC
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group
• Weinberg and Associates
• Wolpoff & Abramson

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

• Bank of America
• Capital One
• Chase
• Credit One Bank
• PayPal Synchrony Card
• SYNCB/PPEXTR
• Synchrony Bank
• Target National Bank
• Wells Fargo

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouse's Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

You're Drowning in Debt — Here's How to Swim

Help! I'm Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Here's What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court