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Web form to respond to debt claim lawsuit. Web if a debt collector files a lawsuit against you to collect a debt, it’s important to respond — either yourself or through an attorney. 1 how do i answer a lawsuit for debt collection? An answer is designed to help you in responding to a debt collection claim. Forms and instructions introduction this is not a substitute for a. Web if you respond to the debt collection lawsuit, the creditor or collector has to prove to the court that the debt is.