If that's the case, then file a General Denial without affirmative defenses. The plaintiff will still bear the burden of proof that you owe the amount of the debt.
After you file the General Denial, you can negotiate a settlement with the plaintiff. You will be in a better negotiation position if you first file the General Denial before discussing settlement.
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you need to file a general denial, with standard affirmative defenses which will depend on the nature of the case (original v. assigned debt creditor, etc.).
I handle these cases on a regular basis. When were you served? Who is suing you? How much are you being sued for?
While I cannot give you legal advice in this forum, as a general matter you would file a general denial answer. Also, if the debt is old, you should also list a statute of limitations affirmative defense. It might apply.
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If you received an unverified Complaint you can file a general denial but with a verified complaint you will have to respond to each paragraph individually . In regard to defenses at issue you should consider i.e. has the statute of limitation ran? Latches, have they waited unusually long period to file the complaint? Unclean hands, Have they not provided you with the merchandise or product they promised in exchange for the money you paid the vompamy?
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