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It simply needs to be in writing, and you must send it to the court and to the plaintiff. You don't have to get specific as to the reasons you think you don't owe the plaintiff money. You can say something like ?I deny the claim and want to see proof at trial.? Or even just ?I don't owe the plaintiff anything.?
You can either answer the summons in writing or in person. If you answer in person, you must go to the courthouse clerk's office and tell the clerk about your defenses to the plaintiff's claims. The clerk will check off the boxes in a Consumer Credit Transaction Answer In Person form.
Answering the lawsuit can be as simple as drafting a document and writing 'admit' or 'deny' or ?without knowledge? in correlation to each numbered paragraph in the summons. Your answer to the lawsuit must address every allegation individually.
Your answer must be in writing and must be filed (received) on time with the Clerk of Courts at the Courthouse of the County listed at the top of the Summons (For example, Duval County Courthouse, etc.).
To determine the deadline, find the day you were served on a calendar, count out 20 more days (including weekends and holidays) then go to the next Monday. You must file your answer with the court on or before this date at a.m. If the 20th day falls on a Monday, go to the next Monday.