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so how do you file an answer to a lawsuit actually its pretty easy I just like to run you this is not legal advice an answer to a lawsuit or to a complaint is pretty much any document denying the allegations on a piece of paper you could write your answer on a napkin turn it in to the clerk of the court that would probably count as an answer before doing bankruptcy law used to do some collections normally in collections you file a complaint about 20 days later they dont answer you file for a default judgment you get a default judgment you start garnishing them every now and then you would sue someone that would actually file an answer generally it was the crazy cat lady she would write a meandering three-page letter to the court he would talk about her cats talk about why she didnt owe the money and ask for leniency from the court and then shed file it with the court clerk or hand it to the clerk this document counted as an answer so if you get sued yes you should use an attorney t