Since you have no defenses it is not really going to matter whether you answer or not, they are going to obtain a judgment against you since you owe the debt. However, you can still file an answer and that will at least delay it some. You may want to call and try to reach a settlement. There is no standard form, just a standard format. You have to draft the answer on your own. Here is the standard format.

Every allegation in a complaint is usually given a number. You should number your answer the same way.

If you have other facts that you want the judge to know, add additional numbered paragraphs.

Place your responses under the heading “Answer.” You may refer to the sample answer format below (which hopefully will not lose its formatting here).

SAMPLE ANSWER TO COMPLAINT AND SUMMONS

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IN THE COUNTY/Circuit Court,

IN AND FOR ______________ COUNTY, STATE

CASE NO: _____________________

JUDGE: _____________________

DIV: _____________________

_________________________

Plaintiff(s)

vs.

_________________________

Defendant(s)

ANSWER TO ______________________

1.

2.

3.

4.

__________________________

Defendant

__________________________

Street Address

__________________________

City, State, Zip Code

I hereby certify that a copy hereof has been furnished by hand-delivery/mail to Plaintiff/ Plaintiff’s attorney this _____ day of ___________, 20__.

________________________________

Defendant

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Here is a sample answer for California

http://www.kinseylaw.com/attyserv/civil/answers/answer.html

Information on a general denial

http://www.ehow.com/how_6809961_write-civil-court-case-texas.html?ref=Track2&utm_source=ask