Hello again! Please note: This is general information for educational purposes only and is not legal advice. No specific course of action is proposed herein, and no attorney-client relationship or privilege is formed by speaking to an expert on this site. By continuing, you confirm that you understand and agree to these terms.
1) Assuming the debt is true, then there is really no defense per se. What most parties then do is file a general denial, meaning simply "prove it." This allows the Defendant to avoid a default judgment, and sets the case for a trial (months down the line), giving the parties time to negotiate.
2) I am attaching an example of a general denial answer to this reply.
3) Negotiation is expected and recommended. It does not hurt to talk to their attorney to see what they can offer.
4) It is not uncommon for Plaintiff to make a mistake on the calculation of the debt. So this may explain the situation in regards ***** ***** principal they claim, which can be pointed out to the attorney during negotiations.
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