Multi-choice problem: Continue writing the next sentence in this paragraph:

How to answer a credit card lawsuit
Find out how much time you have to file your answer.
In most states you only have 20 days to file your answer.
You may have longer than 20 days if you were served by mail or some other way rather than in person.

Options:
(a). However, if you had to go through the mail or otherwise receive your response in person, you must file a response within 20 days of the incident. This refunds any amount you owe as a result of the violation.
(b). For example, if the debt you are suing is $80 , 000, you may have 20 days to file your answer. However, you may have more time if you have a debt that is more than $199 , 000, or if you have more interest in the property.
(c). There should be a summons or other document with the complaint that tells you exactly how long you have to respond. Debt collection law firms may file hundreds of lawsuits a day, assuming most of the defendants won't answer and they'll win a judgment by default.
(d). Generally, you can file your answer by mail or by check (usually equifax). If you hired an attorney to represent you, call the attorney's office located in court , 2101 pennsylvania avenue, pennsylvania; the clerk's office , 785 delaware, kansas , 10271.
(c).