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The defendant should file a copy of his answer (and any counterclaim) with the clerk of the court and serve copies of these documents upon the plaintiff. Even if the defendant files a written answer, the defendant still must appear at the hearing.
An answer to a counterclaim is a written response by a Plaintiff to a Defendant's counterclaim. The answer to counterclaim must also state defenses to each of the Defendant's counterclaims in short, plain statements.
Use an Answer form to respond to your lawsuit in minutes. Arkansas courts do not charge an Answer filing fee. Your Answer document should focus on responding to the allegations listed in the Complaint and asserting your affirmative defenses.
By the time the collection process has reached the point of garnishment, most creditors are unwilling to work out any kind of payment plan. The only effective way to legally stop this collection process is by exercising your right under federal law to file either Chapter 7 or Chapter 13 bankruptcy.
Within the State of Arkansas, you normally have thirty (30) days to file an Answer or Response to avoid being in default.