File with Justice Court 4 and serve in Tarrant County. Use this online tool from Lone Star Legal Aid to file an answer in a debt collection lawsuit in Justice court.This article explains your rights and options under the law if you are facing debt collection. It's important to be systematic with how you attack your debts. Doing so will help you pay off your debts faster and potentially save you thousands of dollars. This article will make the process of responding to a debt lawsuit a little bit easier and tell you how to answer a summons for debt collection in Texas. If you don't pay your debt, the collateral is sold to pay back the money you owe. It should be sold for a "commercially reasonable" amount. A loan is money you borrow and must pay back with interest. Loans can help families meet the costs of higher education expenses.