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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.
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.