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The circumstances are rare in which a Party can avoid answering a Request for Admission. Unlike an Interrogatory where you can object and not answer, there are serious consequences for not admitting or denying an answer without a valid objection or privilege. An objection requires a legal objection such as: Hearsay.
Responses to Requests for Admissions The party to whom requests for admissions have been directed must respond separately to each item by admitting the truth of the statement, by denying the item, or by explaining why it cannot specifically admit or deny the item.
If the summons is not served within the time allowed upon every party named in the summons, it shall be returned immediately upon the expiration of such time by the officer to the clerk of the court who issued it with notation thereon of its nonservice and the reasons therefor as to every such party not served, but ...
Responding to a Request to Admit Admit: the responding party may admit that a fact is true or that a document is authentic. ... Deny: the responding party may deny the truth of a fact or the authenticity of a document. ... Refuse: the responding party may refuse to admit the truth of a fact or the authenticity of a document.
The Summons says that you have been sued. The creditor or debt buyer is the ?plaintiff? and you are the ?defendant?. The Complaint explains why the plaintiff is suing you and what it is asking the court to do. THIS IS NOT A CRIMINAL CASE. A lawsuit to collect an unsecured debt is a civil action, not a criminal charge.
You are required to file your Answer with the Clerk of Court and send a copy to the Plaintiff. You may serve your Answer by delivering a copy to the Plaintiff or by mailing it to the Plaintiff's last known address.
You should immediately contact a lawyer. You will typically need to file an answer to the plaintiff's complaint within 30 days. Failure to file your answer in the required time period could result in a judgment being entered against you by default.
Remember that under Rule 4, if the summons is not served within 60 days, it becomes dormant. Service of a dormant summons, i.e., a summons that is more than 60 days but no more than 90 days old, is salvageable, but you do not want to go there.