We created a set of forms for Minnesota consumers facing debt buyer lawsuits. While these forms will not be appropriate for every debt buyer lawsuit, they should help consumers answer the generic complaints used by most debt collection law firms in Minnesota.
Most debt collection law firms are “default mills.” They file tens of thousands of lawsuits on behalf of debt buyers every year, knowing that most consumers will never answer. If a consumer does not answer, the debt buyer starts garnishing wages and bank accounts. These forms should enable consumers in Minnesota, at least, to answer debt buyer lawsuits, forcing debt buyers and debt collection law firms to prove their case, and to get at least the basic information that the debt buyer has or can get about the debt.
You can find the forms and other legal information here
Read the instructions carefully before using the forms. Seriously. They include instructions on filling them out and using them, but also information on where to get help if you do not understand something or you think you need more than just the generic forms.
Finally, you cannot simply answer and then ignore the lawsuit. A lawsuit is like a game of ping pong. If you don’t keep the ball in the air, you lose. If you are not sure what to do after serving your answer, contact my firm or another attorney for help.
If you are in Minnesota, contact The Glover Law Firm, LLC, for a free case evaluation. In any other state, you can find a consumer rights lawyer using the National Association of Consumer Advocates lawyer database.
{ 4 comments… read them below or add one }
Overview: answer and discovery were filed and sent via affidavit by mail to debt buyer lawyer, but now there is a court date via the court admin. I filed a motion for motion for dispositive dismissal.
I have a couple quick questions
1-If the debt buyers does not respond to discovery within 30 days is that reason enough for the case to be dismissed?
2-Is it better to ask for dismissal or that the plaintiff take nothing as described in your Answer template? I’m afraid they will just start another law suit.
Sincerely,
Unemployed need help, not residing in Hennepin County
We do not give advice on specific situations on this blog. If you are in Minnesota and want to consult with an attorney, you can sign up for a 30-minute consultation, or try the Volunteer Lawyer Network.
If you are not in Minnesota, please look for an attorney using the lawyer database at the National Association of Consumer Advocates.
Can these forms be used with business debt? EX. being sued for business credit card.
The forms are meant for a debt buyer lawsuit.