How long does one have to file an answer to the summon? After I file an answer what is the next step I should follow and is it necessary to have an attorney to file the response?
The time period by which you need to file a response to the summon depends on the court from which you have received the summon. Normally it varies from 21 days to 30 days including all holidays and it is mentioned on the summon. If you do not file an answer the plaintiff can bring a default judgment against you even if you do not owe the debt and the judgment amount would include all cost including the creditor's attorney fees.
You should file an answer within 21 days to avoid default judgment. Attorney is not always required to help you to file an answer to the summon if you can file it yourself. However you can defend your case by yourself or through any licensed attorney but your case cannot be represented by any other person. After you file an answer, you will get a notice from the court to appear for a pre-trial.
The time period by which you need to file a response to the summon depends on the court from which you have received the summon. Normally it varies from 21 days to 30 days including all holidays and it is mentioned on the summon. If you do not file an answer the plaintiff can bring a default judgment against you even if you do not owe the debt and the judgment amount would include all cost including the creditor's attorney fees.
You should file an answer within 21 days to avoid default judgment. Attorney is not always required to help you to file an answer to the summon if you can file it yourself. However you can defend your case by yourself or through any licensed attorney but your case cannot be represented by any other person. After you file an answer, you will get a notice from the court to appear for a pre-trial.