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Your options are: negotiate with the plaintiff. agree to pay the entire debt. agree to pay the debt in instalments. file a defence (asserting that you deny the entire claim or part of the claim) file a statement of cross-claim (asserting that you have a counter-claim against the plaintiff or a third party.
It is not a good idea to ignore a statement of claim. If you do not take action within 28 days the plaintiff may get a default judgment against you without you attending court or being notified. The default judgment can then be enforced. Having a judgment against you may also affect your credit rating.
When drafting your Defence, you need to respond to the Statement of Claim, which will be the longer of the two documents. The Statement of Claim should be drafted as a series of numbered paragraphs, sometimes with sub-paragraphs. View each of those numbered paragraphs as a separate allegation that you must respond to.
If the plaintiff's solicitor will not agree to an extension, you should put in a 'holding defence', which is a basic document that provides the necessary denials such that a judgment by default cannot be entered against your client.
A strong defense opening statement will do the following: Tell a story. ... Plant the defense themes. ... Make concessions only with great caution. ... Make the defense case concisely. ... Humanize the defendant. ... Make no promises about the defendant testifying. ... Argue the defendant's case. ... End on a high note.