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The Essential Step To Get Your Day In Court

By Cathy Moran

court date

When you’re sued on an old debt, it’s easy to imagine appearing on the court date to tell the judge your side of the story.

  • I’m not the person who owes this debt
  • This debt is too old to be enforced
  • I never heard of the person suing me
  • I am unable to pay

You imagine the judge considering your argument and challenging the other side to prove otherwise.

It’s a comforting image, but it will never happen if you haven’t taken the first step in defending a lawsuit.

File a written answer

Only an answer on paper, filed with the court clerk, and served on the person suing gets you a platform on your court date.

Courts rely on the written word

Courts move on the basis of paper.

If you haven’t filed an answer in the lawsuit, nothing you say to the judge will change the outcome.

Now, on the odd occasion, a judge may consider arguments made for the first time in a courtroom.  It happens just often enough to make me cautious about saying “never”.

But don’t count on it.

If disputing the debt is worth your time showing up at court, then it’s worth filing an answer in your defense.

Don’t think you can simply arrive in court and win on the basis of clever words at trial.

Life of a collection suit

The New York Times’ great feature on the dark world of consumer debt collection had a marvelous flow chart of the progress of collecting an old bill.

Only it was deceptively wrong.

After following the debt collector’s options and outcomes from first collection call to the various resolutions, the graphic showed two wildly different outcomes if the consumer got sued.

One outcome had the consumer telling the judge, “I’ve fallen on hard times and can’t afford to pay my debt“.  Result:  the consumer loses.  Hard times isn’t a legal defense to a collection suit.

The second outcome had the consumer telling the judge:  “Make them prove I owe the money“.  Result, says the article:  the consumer wins!

Not so.  You’ll get no chance to tell the judge anything, if you don’t file an answer to the lawsuit.

On time.

Lawsuits require proof

Why the different results for different scripts in the Times‘ scenario?  Because, the debt buyer has no proof of the debt.

And the burden of proof in a collection suit lies with the person who filed the suit.

When the collector bought the old account from the original creditor, or an intermediate collector, no supporting documents came with it.  The debt buyer got just a spreadsheet with the consumer’s name, account number, and amount due.  He has no proof that you owe the debt and no proof that the debt is still enforceable.

No proof, no judgment.

But that little lesson in legal procedure is not the point I want to make here.

My point is telling it to the judge on the court date gets you nothing if you haven’t raised the issue in a written answer.

How to file an answer

Getting an answer on file can be a problem if you don’t have money for a lawyer.  I’ve got that.

You can do it yourself.

Many California court forms are available from the Judicial Council.

Lots of courts these days have pro per help desks where you can get guidance on participating in a lawsuit.  The California courts maintain an online legal self help site.

Here are links to  Bay Area court’s pro per resources:

Santa Clara County 

San Mateo County

Alameda County

Santa Cruz County

Check out the available resources in your area to help you file the right paper so you can defend yourself in court.

Also

What to do when sued

Get the timeline right

What happens if there’s a judgment against you

Image courtesy of Flickr and Penn State.

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Filed Under: Debt Collection Rights, Featured Tagged With: collection, court, lawsuit, sued

About Cathy Moran

I'm a veteran bankruptcy lawyer and consumer advocate in California's Silicon Valley. I write, teach, and speak in the hopes of expanding understanding of how bankruptcy can make life better in a family's future.

Bankruptcy Basics

About The Soapbox

You’ve arrived at the Bankruptcy Soapbox, a resource of bankruptcy information and consumer law.

Soapbox is a companion site to Bankruptcy in Brief, where I try to be largely explanatory and even handed (Note I said “try”).

Here, I allow myself to tell stories and express strong opinions. We dig deeper into how to consider bankruptcy and navigate a bankruptcy case.

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Bankruptcy specialists for individuals and small businesses in the San Francisco Bay Area

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