Federal District Court actions subscribe to something called "notice
pleadings." This means that the complaint need only put the defendant on notice that the plaintiff alleges that a wrong was done. The fact that the wrong may not hold up based upon the facts proved at trial, does not defeat the complaint.
The only way to defeat the complaint is to file a motion to dismiss based upon the failure of the plaintiff to state a claim for which relief may be granted. This means, that if you take everything (and I mean everything) that the plaintiff claims and assume it's true, then if it still does not amount to a breach of contract
or fraud (which is what I'm betting that the plaintiff is alleging), then the court will dismiss the case. Otherwise, the court must permit the case to continue, so that the plaintiff can try to prove the case.
When you answer a complaint, your goal is to simply state for each paragraph of the complaint, whether or not you admit or deny the allegation stated. You do not
explain why you are admitting or denying anything.
Then you add what are known as "affirmative defenses," if you have any. A list of affirmative defenses for a breach of contract can be found at this link
A sample text for an answer to a federal court action can be found at this link
, at page 124.
Note: If you answer with just a letter explaining yourself, you will lose this case. Don't make that mistake. If you can't do this like it's required by the court, then you need a lawyer, or you may be stuck with the debt after your bankruptcy is discharged.
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