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- Hey everybody, John Skiba here. And in this video, Im going to share with you a very vital update on how to draft an answer to a debt collection lawsuit. Whether youve been sued by a junk debt buyer, like Portfolio Recovery Associates, Midland funding, Cavalry, Unified, all the other list of horrible out there. If youve been sued by one of those or by just a regular creditor like Bank of America, Citibank, Capital One. Im going to show you in this video how you draft the initial answer to the lawsuit. So you could avoid a default judgment, avoid wage garnishment, and avoid that bank levy. But if this is your first time here to my YouTube channel, go ahead and click subscribe. That way youll be notified each and every week when I put out a new video thatll help you deal with your serious debt problem. All right, lets talk about drafting the answer to a debt collection lawsuit. You know, earlier this week in my law practice, I was talking to someone who had called in, trying to