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when youamp;#39;re drafting the answer the first thing to do is get a copy of the complaint and put that before you and youamp;#39;re going to see in the complaint there are numbered paragraphs each of those numbered paragraphs contain specific allegations of the Creditor of the plaintiff now thatamp;#39;s how you need to look at this whole thing about the complaint is itamp;#39;s a civil matter theyamp;#39;re just saying hey judge here are our allegations against this defendant in the court what theyamp;#39;re saying is okay now we want to see defendant what are your responses to those specific allegations do you admit what theyamp;#39;re stating do you deny what theyamp;#39;re stating or sometimes the option is I donamp;#39;t know I donamp;#39;t have enough information to be able to admit or deny and those right there are your three best answers