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Fact-checked by Patrick Austin, J.D. Summary: When you get sued and you have no money, debt collectors can garnish your wages and seize your property to get the funds repaid.
Your answer can be a handwritten letter to the court that says you do not agree with the lawsuit. Include your case (cause) number and mailing address and any defenses you may have to the lawsuit; for example, the amount they claim you owe is incorrect, the account isn't yours, or the debt is older than 4 years.
If you don't respond, the court could issue a judgment or court action against you, sometimes called a ?default judgment.?
If you are sued and can't pay, the creditor can get a judgment in court against you for the money you owe, plus interest. Being ?judgment proof? means that your property and income can't be seized by creditors, because it is ?exempt? by law from the creditor's claims.
File (turn in) your completed answer form with the court. To file online, go to E-File Texas ( ) [11] and follow the instructions. To file in person, take your answer (and copies) to the district clerk's office in the county where the plaintiff filed the case.