Start My Answer
loading...

How to File in Monmouth County Courthouse

George Simons | December 02, 2022

George Simons
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

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.

Summary: Do you need to file documents in Monmouth? Learn how to file in Monmouth County Courthouse to make sure you have the best chance at winning your case.

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.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Get Started

>>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 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

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.

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.

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.

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.

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.

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.

Get debt relief in your state

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 collection laws in all 50 states

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 state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

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

How to stop wage garnishment in your state

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 all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

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.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional 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



Get Started


Contents