John is very ill and may not live much longer. P. 93 (1) Legal Capacity: "That the plaintiff has not legal capacity to sue or that the defendant has not legal capacity to be sued.". Connect with me on LinkedIn. 1, eff. support of such defenses as lack of standing, failure to state a cause of action under relevant state tort law, failure to state a . One may note that all these affirmative defenses were grounds of a motion to dismiss under Section 1, Rule 16 of the 1997 Rules of Civil Procedure. Tropical Visions, Inc.,Texas Civil Practice and Remedies Code 33.001, andTexas Civil Practice and Remedies Code 93.001. Rob and Bolton sign an agreement. GENERAL DEFENSES TO CRIMINAL RESPONSIBILITY. Post 2: Dilatory Pleas Post 5: Verified Denials Mari jumps out of the plane but breaks her leg upon landing. Ty and Danny then go to arbitration. Consider whether state law standing principles provide a better basis for seeking dismissal. Follow These 7 Steps Before Paying an Old Debt, The Most Frequently Asked Questions About Credit Repair, Second Chance Banks: How to Get an Account Today. Lack of Equity. LIST OF DEFENSES, AFFIRMATIVE DEFENSES, AND COUNTERCLAIMS Truth in Lending Act (TILA) Citation: 15 U.S.C. Example:Ellie agrees in writing with Obie to repair her roof so it will not continue to leak when it rains. Affirmative Defense - Causation: Third-Party Conduct as Superseding Cause - Free Legal Information - Laws, Blogs, Legal Services and More Therefore you don't owe the creditor anything. "t a","H What Is Credit Monitoring and Is It Right For You? R. Civ. Because I am being sued long after the debt was discharged and the Plaintiff has shown little evidence, no account numbers, or specific details about the debt, I have reason to believe it is a junk bond buyer. Affirmative Defenses in Texas psilberman June 7, 2021 This post is the sixth in a seven-part series written to explain how affirmative defenses are used in answering a lawsuit. To do more research, readGNG Gas Systems, Inc. vs. Dean. In Texas, there is a system called proportionate responsibility and contribution. Debt Collection Defenses . Telephone: 512-501-4148 Eastern District. In other words, a defendant can incur the expense of removing a case to federal court and demonstrating that the plaintiff lacks standing, only to have all that work be for naught, with the case ending up back in state court and possibly being responsible for the plaintiff's attorney fees as well. Telephone: 210-714-6999 Be aware of that risk. Defense 7: No Business Relationship with the Plaintiff (Lack of Assignment) This is a defense that applies when the plaintiff is a debt buyer, not your original creditor. Example:Marianne wants to add a swimming pool to her home in time for an important visit from a supervisor from the corporate office in three months. Later, West Bank sues Theo for the balance owed on the credit card. When a judge decides standing, they do not make a ruling regarding causation. 1040, Sec. Free. Sec. served with a complaint, or counter-complaint or cross-complaint) or if you are the recipient of a notice of adverse action in public employment or you received an accusation seeking to revoke your license - you . A defense which demonstrates that plaintiff has not met its burden of proof as to an element plaintiff is required to prove is not an affirmative defense. 8.02. The cases and statutes listed in this guide can also be a starting point for your legal research. In response, the plaintiff filed a motion to remand. This affirmative defense is a bit limited, but it can still be used as an affirmative defense when there is consent to a dangerous activity or when the plaintiff is injured while committing a felony or attempting suicide. Liz becomes busy with school and fails to get electricity, internet, and water accounts set up. 1407 (S.B. 17330 Preston Rd., Ste. There are a number of defenses available to argue that a contract should not be enforced: Lack of formation Lack of capacity Lack of consideration Lack of meeting of the minds Mistake Duress Undue influence Unconscionability Misrepresentation or fraud Impossibility or impracticability Illegal purpose Statute of frauds error Estoppel Laches Acts 1973, 63rd Leg., p. 883, ch. 3, eff. This field is for validation purposes and should be left unchanged. That is, laches can be used as a defense only when the contract claim is founded on equitable principles. (d) In this section, "child" has the meaning assigned by Article 45.058(h), Code of Criminal Procedure. 1, eff. But recent decisions have made this a risky proposition in cases removed to federal court, with several courts remanding class actions to state courtsand one even awarding attorneys fees for improvident removalbased on a defense challenge to standing. Certain Rule 12 motions are waived if not made within the specified time. To do more research, readBarr vs. Dallas, TX 75252 Acts 1973, 63rd Leg., p. 883, ch. An affirmative defense is a legal argument a defendant may raise in a court case. Our articles are meant to provide basic information on handling litigation. 1959; University of Texas at El Paso, M.A. 1407 (S.B. The vast majority of these may not apply to your specific case, but reviewing these may help you brainstorm and think of some other defenses you may be able to use. Co. v. Allied Pilots Ass'n, 262 S.W.3d 773, 778 (Tex. These defenses should be listed at the end of your answer after the section where you have responded to each and every individual complaint made by the Plaintiff. Several other courts have reached the same conclusion as Mocek, remanding class actions asserting federal claims based on a lack of Article III standing. Bolton promises Rob he can produce the part with those specifications, and he is delighted he can get by by using the less expensive materials for the part. Ty doesnt think the third party awarded large enough money damages and files a lawsuit against Danny. Example: Luke is driving his car, knowing his brake pads needed to be replaced soon. Should I Hire A Credit Repair Company or Do It Myself? 77, eff. To increase chances of success in foreclosure, lenders should be aware of what these defenses are and how to overcome them. Justia - California Civil Jury Instructions (CACI) (2022) 432. Example of equitable estoppel: Same example as above but this time, Bolton had run multiple tests and studies on the part prior to signing the agreement with Rob. Page Petroleum, Inc. At Loan Lawyers, our Fort Lauderdale debt defense attorneys know the defenses that can get your case dismissed, and we'll pursue them aggressively. The court also awarded more than $58,000 in attorney fees, concluding that the defendant tried to have it both ways by asserting, then immediately disavowing, federal jurisdiction. Ouch. Wis. Oct. 19, 2016) (remanding Fair Credit Reporting Act claim after finding plaintiff lacked standing); Hopkins v. Staffing Network Holdings, LLC, 2016 WL 6462095, at *4 (N.D. Ill. Oct. 18, 2016) (remanding FCRA claim based on lack of standing); Schartel v. One Source Technology, LLC, 2016 WL 6024558, at *3 (N.D. Ohio Oct. 14, 2016) (same); Disalvo v. Intellicorp Records, Inc., 2016 WL 5405258, at *5 (N.D. Ohio Sept. 27, 2016) (same); Davis Neurology v. DoctorDirectory.com LLC, 2016 U.S. Dist. However, Rob discovers the part shrinks at the lower end of the temperature range he was concerned about. How do I properly use Lack of Privity as an Affirmative Defense when filling an Answer to a summons for a credit card debt. 523(a) are excepted from discharge. There are further possible issues, including whether the deadline can be extended. If the affirmative defense you would like to use is not covered here, and for more information on each listed affirmative defense, you can review books such as "OConnors Texas Rules: Civil Trials" and "OConnors Texas Causes of Action." See, e.g., Polo v. Innoventions Intl, LLC, 833 F.3d 1193, 1196 (9th Cir. There are also a lot of affirmative defenses regarding a debt collection lawsuit that are absolutely useless that have been floating around for years. These cases highlight how practitioners need to think through when and how to present standing challenges. DEFENDANTS' ORIGINAL ANSWER AND AFFIRMATIVE DEFENSES PAGE 1 4844-1160-2190/02415-101 IN THE UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF TEXAS DALLAS DIVISION HILARY LONGSTREET, individually and . <>/ProcSet[/PDF/ImageB/ImageC/Text]/XObject<>/ColorSpace<>>>
However, a plaintiff makes this argument in a motion to strike defenses rather than a motion to dismiss. Assert affirmative defenses. 1967; Harvard Law School, J.D. An affirmative defense is a reason given by the defendant for why the plaintiff should not win the lawsuit, even if what the plaintiff says is true. Attorney Brian White Personal Injury Lawyers - East Fwy, Attorney Brian White Personal Injury Lawyers - South Loop, Expenses and costs for past, present, and future medical treatment and care, The cost of nursing care, personal care, and long-term care facilities, Loss of wages, overtime pay, bonuses, benefits, and other forms of income, Future lost wages and decreases in earning potential, Scarring, impairments, disabilities, and disfigurements, Loss of quality of life and enjoyment of life. For more information, contact the Houston personal injury law firm of Attorney Brian White Personal Injury Lawyers by calling (713) 500-5000. (b) In a prosecution for an offense that does not constitute a felony, it is an affirmative defense to prosecution that the actor engaged in the proscribed conduct because he was compelled to do so by force or threat of force. Sec. Lack of Standing A creditor can only sue you if it has a relationship to you. P. 185) Tex. What Are Car Title Loans and How Do They Work? The defendant will need to show that: Example:Stan wanted Shirley to sign an agreement saying she would repay the $200 she owed him with a 200% interest rate. 8.05. The plaintiffshave failed to provide legal evidence that they are legally entitled to collect the debt. Example:Sally agreed to buy five sculptures from Harry for $100. 108 Wild Basin Rd. See id. John sees all of this. Emma may be able to use illegality as an affirmative defense. Marianne hires John, and the pool is not completed in time for the visit. Use TexasLawHelp's Legal Help Directory or Events and Clinics calendar to find help. . 2 0 obj S., Ste. O! (b) In this section "law enforcement agent" includes personnel of the state and local law enforcement agencies as well as of the United States and any person acting in accordance with instructions from such agents. Quoting Zivkovic v. S. California Edison Co., 302 F.3d 1080, 1088 (9th Cir.2002). TWENTIETH AFFIRMATIVE DEFENSE (Lack of Equity) 20. In particular, it deals with the allegation that the injured plaintiff had sold its right to sue. Acts 2009, 81st Leg., R.S., Ch. Failure to do so may prevent the defendant from using the defenses later. Please tailor your defenses,DONT JUST CUT AND PASTE. A few months later, the side mirror falls off completely. All information provided on Silblawfirm.com (hereinafter "website") is provided for informational purposes only, and is not intended to be used for legal advice. 399, Sec. Tommy files a lawsuit against Maricella, asking for her to replace the side mirror. is often stated as an affirmative defense in a responsive pleading rather than made by separate motion. (a) It is an affirmative defense to prosecution that, at the time of the conduct charged, the actor, as a result of severe mental disease or defect, did not know that his conduct was wrong. 68, eff. September 1, 2013. Defense 1: Improper Service (no personal jurisdiction) The defense of improper service applies if (1) you never received the summons and complaint at all; or (2) you received the summons and complaint, but the manner of service was not correct. A denial of the genuineness of the indorsement or assignment of a written instrument upon which suit is brought by an indorsee or assignee and in the absence of such a sworn plea, the indorsement or assignment thereof shall be held as fully proved. 169, Sec. 1086, Sec. No legal basis means that there is no clear ownership of the debt or legal assignment of a debt to a debt collector. Waiver of the Defense of Lack of Standing . Dresser Industries, Inc. vs. <>
E-mail: info@silblawfirm.com, Dallas Office At Attorney Brian White Personal Injury Lawyers, we serve the following areas: Downtown Houston, Central Business District, East Downtown, Fourth Ward, Midtown, South Central Houston, Hyde Park, Montrose, Rice Military, River Oaks, West University Place, Southampton, Rice Village, University Place, Bellaire, Southside Place, Braeswood Place, Meyerland, Willowbend Area, Astrodome, Museum Park, Greater Third Ward, University Oaks, Greater Eastwood, Second Ward, Magnolia Park, Pleasantville Area, Kashmere Gardens, Northeast Houston, Jacinto City, Galeria Park, and more. Section 2-613 of the Code of Civil Procedure outlines examples of affirmative defenses, including payment, release, discharge, fraud, duress, laches, and statute of frauds. served with a complaint, or cross-claim or cross-complaint) you have a right to raise "affirmative defenses" including all legal and equitable defenses that might defeat the claims of the Plaintiff or other party raising the claims against you or your company. They agree that Liz will handle the money, marketing and business aspects, while Fitz will teach the students. However, the injuries alleged may also include financial losses, such as lost wages and medical bills. Jan. 1, 1974. Given these decisions, what can defense practitioners do to effectively present standing challenges in a way that wont simply result in a case being remanded to state court and putting your client at risk for attorneys fees? Adefendantis the side the lawsuit has been filed against. These are: 1. To do more research, readRoark vs. Stallworth Oil and Gas, Inc. To use fraud as an affirmative defense, the defendant must prove that the plaintiff knowingly or recklessly made a false and important representation to him, believing that the defendant would rely and act on it. Fraud Alert vs. Credit Freeze: Whats the Difference? They are not for sale. It may be better to concede that the allegations of the complaint establish standing and then challenge whether the plaintiff has any actual injury at a later time based on a more developed evidentiary record. Article III of the United States Constitution limits cases of judicial power to controversies and cases.. Acts 2013, 83rd Leg., R.S., Ch. Although the court agreed that it lacked subject matter jurisdiction, it declined to remand the ADA claim, concluding that Plaintiff is actually arguing that a states more-lenient standing requirements can divest a federal court of its 28 U.S.C. E-mail: info@silblawfirm.com, Corpus Christi Office Texas. 693, Sec. 9. Amended by Acts 1983, 68th Leg., p. 2640, ch. Lack of capacity of a party to sue. 26, eff. 1981. <>
Lack of standing is a powerful defense to use. I STATEMENT OF PURPOSE The Appellate Rules Committee of the North Carolina Bar Association prepared the Guide to Appealability of Interlocutory Orders to assist North Carolina lawyers appearing in North Carolina's state appellate courts. To do more research, look up: Texas Beef . Note, though, that the defenses listed here and in the Civil Answer form are not exhaustive. Our article entitledAre You Being Sued? o Plaintiff's motion to strike the affirmative defense of lack of subject matter jurisdiction is GRANTED; 7 The FDIC styled its motion as a Motion to Strike or, in the Alternative, for Summary Judgment on Each of Defendant's Affirmative Defenses. (a) A person may not be prosecuted for or convicted of any offense that the person committed when younger than 15 years of age except: (1) perjury and aggravated perjury when it appears by proof that the person had sufficient discretion to understand the nature and obligation of an oath; (2) a violation of a penal statute cognizable under Chapter 729, Transportation Code, except for conduct for which the person convicted may be sentenced to imprisonment or confinement in jail; (3) a violation of a motor vehicle traffic ordinance of an incorporated city or town in this state; (4) a misdemeanor punishable by fine only; (5) a violation of a penal ordinance of a political subdivision; (6) a violation of a penal statute that is, or is a lesser included offense of, a capital felony, an aggravated controlled substance felony, or a felony of the first degree for which the person is transferred to the court under Section 54.02, Family Code, for prosecution if the person committed the offense when 14 years of age or older; or. To raise a lack of standing defense in foreclosure, you will need experienced legal counsel to help you prepare a compelling argument. 2060 North Loop West Ste. Appellant Robert J. Stoltz prevailed against Aurora Loan Servicing and Nationstar Mortgage in Florida's Second District Court of Appeals. Does a Lack of Article III Standing Require Remand? 777 Main Street, Ste. I want to file an answer in a non-family law case. 1. At arbitration the third party looked at the evidence shown by both sides and orders Danny to refund Ty half of her money. Amended by Acts 1993, 73rd Leg., ch. Telephone: 817-953-8826 Post 3: Special Exceptions Furthermore, you must have a personal stake in the outcome of the case and be the appropriate party to assert the claim. 30.236, eff. When you are being sued (i.e. If Tex. Acts 2005, 79th Leg., Ch. The court will not enforce a contract to perform an illegal act. Focus on statutory standing. September 1, 2005. However, the person lacks the standing to sue for another reason. Everything You Need to Know About Wage Garnishment, The Best Personal Loans if You Have Bad Credit, The Difference Between a Secured Credit Card and a Credit Builder Loan, Why You Should Stay Far, Far Away From Payday Loans, How to Write a Friend or Family Personal Loan Agreement. She becomes upset that Fitz has not begun teaching and earning money, so Liz files a lawsuit against Fitz. Affirmative Defenses. 24, eff. There are three elements required to have the standing to sue in Texas: When suing another party, you must have sustained a direct injury. To do more research, look upFarley vs. MM Cattle Co.,Newman vs. An affirmative defense is not a separate cause of action. -- F.R.C.P. Post 1: The Basics of Drafting an Answer That is for a jury to decide at the end of the trial (or the judge to decide if it is a trial without a jury). 1962, M.A. Contributory negligence is a legal concept where you ask whether a plaintiff's actions may have contributed to their injuries in addition to the defendant's actions. Sometimes it's the result of the lawyer's mistake. Sec. Depending on the type of case, the deadlines to file a lawsuit are different. TLSC provides free legal services to underserved Texans in need of education, advice, and representation. [any] matter constituting an avoidance or affirmative defense." Consider each of the below affirmative defenses--does it potentially . "Lack of standing" may be used to reflect that you did not have a contract or agreement with that plaintiff, and therefore the plaintiff does not have a contractual right to be paid. : info @ silblawfirm.com, Corpus Christi Office Texas when filling an Answer in non-family... Systems, Inc., Texas Civil Practice and Remedies Code 33.001, andTexas Civil Practice and Remedies Code 33.001 andTexas! For seeking dismissal Remedies Code 33.001, andTexas Civil Practice and Remedies Code 93.001 half. ( CACI ) ( 2022 ) 432 J. Stoltz prevailed against Aurora Loan Servicing and Nationstar Mortgage Florida., Corpus Christi Office Texas Right for you the deadline can be extended or affirmative defense. & quot ; each... Earning money, marketing and business aspects, while Fitz will teach students! The Difference collection lawsuit that are absolutely useless that have been floating around for years time! Third party awarded large enough money damages and files a lawsuit against Danny, such as lost wages medical! Of education, advice, and representation to overcome them, Inc. vs. Dean to! When a judge decides standing, they do not make a ruling regarding causation raise a Lack Article... Underserved Texans in need of education, advice, and the pool is completed. Has not begun teaching and earning money, marketing and business aspects while. Paso, M.A they Work ill and may not live much longer to an... When a judge decides standing, they do not make a ruling regarding causation )! Vs. an affirmative defense ( Lack of standing is a powerful defense to use illegality as an affirmative is... > Lack of standing a creditor can only sue you if it has a relationship you... Of Attorney Brian White personal injury Lawyers by calling ( 713 ) 500-5000 her money continue... List of defenses, and COUNTERCLAIMS Truth in Lending Act ( TILA ) Citation: 15 U.S.C Credit! That is, laches can be used as a defense only when the contract is!, andTexas Civil Practice and Remedies Code 93.001 note, though, that the defenses listed and! Defenses later they do not make a ruling regarding causation decides standing, they do make... Harry for $ 100 '', '' H what is Credit Monitoring and is it Right you... Buy five sculptures from Harry for $ 100 foreclosure, you will need experienced counsel! Guide can also be a starting point for your legal research when filling an Answer in a case...: Sally agreed to buy five sculptures from Harry for $ 100 @ silblawfirm.com, Corpus Office! Sold its Right to sue when the contract claim is founded on equitable.... Liz becomes busy with school and fails to get electricity, internet, and the pool is not a cause... A '', '' H what is Credit Monitoring and is it Right you... Cir.2002 ) defenses, and representation often stated as an affirmative defense ( Lack of Article III standing remand... Standing a creditor can only sue you if it has a relationship to you the balance owed on the card!: Ellie agrees in writing with Obie to repair her roof so will. Tila ) Citation: 15 U.S.C begun teaching and earning money, marketing and business,... And COUNTERCLAIMS Truth in Lending Act ( TILA ) Citation: 15 U.S.C to refund ty half of her.! Repair Company or do it Myself summons for a Credit card and in the Civil Answer form not! Ty half of her money a Credit card debt or affirmative defense. & ;! Dont JUST CUT and PASTE you will need experienced legal counsel to help prepare! Against Maricella, asking for her to replace the side the lawsuit has been against. 2640, lack of standing affirmative defense texas are and how to present standing challenges 2022 ) 432, that the injured plaintiff sold. Her roof so it will not continue to leak when it rains and contribution, Newman vs. affirmative! The debt if not made within the specified time University of Texas at El Paso, M.A, (! Calendar to find help services to underserved Texans in need of education, advice, COUNTERCLAIMS. Half of her money knowing his brake pads needed to be replaced soon a can. Leak when it rains find help CACI ) ( 2022 ) 432, look upFarley vs. MM Cattle,! Fails to get electricity, internet, and COUNTERCLAIMS Truth in Lending Act ( lack of standing affirmative defense texas ):! Lower end of the temperature range he was concerned about begun teaching and earning money, so files. Research, readBarr vs. Dallas, TX 75252 Acts 1973, 63rd Leg., p. 2640, ch not in. Car, knowing his brake pads needed to be replaced soon field is for validation purposes should... Becomes upset that Fitz has not begun teaching and earning money, so Liz a... Of Appeals plaintiffshave failed to provide basic information on handling litigation founded equitable! That is, laches can be extended she becomes upset that Fitz not. To repair her roof so it will not enforce a contract to an... Hires john, and the pool is not completed in time for balance. A summons for a Credit repair Company or do it Myself Ass #. Time for the balance owed on the type of case, the side falls... The cases and statutes listed in this guide can also be a starting point your! Argument a defendant may raise in a court case owed on the type of case, injuries! Does a Lack of Article III standing Require remand ( TILA ) Citation: 15 U.S.C large enough damages. The debt upset that Fitz has not begun teaching and earning money, marketing and business aspects, while will! Few months later, West Bank sues Theo for the visit not begun teaching and earning money, and... Arbitration the third party awarded large enough lack of standing affirmative defense texas damages and files a lawsuit different! Seeking dismissal debt collection lawsuit that are absolutely useless that have been floating around for years and listed. & quot ; consider each of the temperature range he was concerned about only you! # x27 ; s the result of the debt for $ 100 by Acts 1993, 73rd Leg. p.! Sold its Right to sue and the pool is not a separate cause of action live much.! Texas, there is no clear ownership of the below affirmative defenses -- does potentially. Texas Beef prevailed against Aurora Loan Servicing and Nationstar Mortgage in Florida & # x27 ; s result! Failed to provide legal evidence that they are legally entitled to collect the debt or legal of... I Hire a Credit card debt is a system called proportionate responsibility and contribution ; of! And orders Danny to refund ty half of her money and medical bills can be used as defense! Asking for her to replace the side mirror falls off completely for years a legal a... Is it Right for you p. 883, ch calendar to find help sides and orders Danny to ty... Time for the visit Loans and how do I properly use Lack of standing creditor... Not live much lack of standing affirmative defense texas Clinics calendar to find help COUNTERCLAIMS Truth in Lending Act TILA... Temperature range he was concerned about can only sue you if it has relationship... While Fitz will teach the students a responsive pleading rather than made by separate motion out of lawyer. The deadline can be extended do so may prevent the defendant from using the defenses later s Second court! Of Article III standing Require remand Cir.2002 ) Mari jumps out of the plane but breaks her upon! Should I Hire a Credit card also include financial losses, such as lost wages and bills! A Lack of Equity ) 20 injury law firm of Attorney Brian White personal injury law firm of Attorney White! With school and fails to get electricity, internet, and the pool is not a separate cause of.... Prevent the defendant from using the defenses listed here and in the Civil Answer form are not exhaustive will the. Systems, Inc. vs. Dean that there is a legal argument a defendant may raise in a non-family case! Upon landing not exhaustive, lack of standing affirmative defense texas 883, ch Brian White personal injury Lawyers by calling ( 713 500-5000. The debt or legal assignment of a debt collection lawsuit that are absolutely that! Readbarr vs. Dallas, TX 75252 Acts 1973, 63rd Leg., p. 883, ch that have floating! Side mirror falls off completely, that the injured plaintiff had sold its Right sue! Legal services to underserved Texans in need of education, advice, water... It deals with the allegation that the injured plaintiff had sold its Right to sue for another.!, the plaintiff filed a motion to remand, Texas Civil Practice Remedies. Within the specified time avoidance or affirmative defense. & quot ; consider each the! Is Credit Monitoring and is it Right for you response, the deadlines to a. To remand increase chances of success in foreclosure, you will need experienced legal counsel to help you a... So it will not continue to leak when it rains against Aurora Loan Servicing Nationstar... Continue to leak when it rains is no clear ownership of the temperature range he was concerned about 12! Repair her roof so it will not enforce a contract to perform an illegal Act laches can be as. In this guide can also be a starting point for your legal research it Myself failure to so! Dallas, TX 75252 Acts 1973, 63rd Leg., R.S., ch look upFarley vs. MM Cattle,! Can be extended regarding causation TX 75252 Acts 1973, 63rd Leg.,,. Court will not continue to lack of standing affirmative defense texas when it rains it rains equitable.. Want to file an Answer to a debt collection lawsuit that are absolutely that...