After you have been served, you can file your answer with the clerk via first class or certified mail. Be sure you send your answer to the plaintiff;s attorney by certified mail-return receipt requested OR fax. Be careful to avoid admitting anything in your answer.
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I agree with Ms. Trevino's response totally. You can also file at the appropriate court clerk's office because you are an individual.
I do suggest that you consult with an attorney to make sure that your answer denies all allegations, claims all defenses, etc. Good luck!
My response herein is an attempt to give you general information and direction and is not intended to constitute an attorney-client relationship as perceived by state law.
The short answer to your question is yes, you can file your answer with the clerk of court via registered mail, return receipt requested. You must serve the plaintiff with your answer too, subject to the Texas Rules of Civil Procedure. This - and many other procedural requirements - are the reason I always urge a consumer defendant to hire an attorney. There are too many pitfalls that might subject you to an unwanted judgment; and setting aside a judgment (if it's legally possible) may be significantly more costly than simply having an attorney defend you from the beginning. Also, you might want to consult with a consumer rights attorney who will know to look for violations of your debt collection rights, as well as credit reporting issues.
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I agree with my colleagues - call a lawyer before filing anything.
Many counties require e-filing and will reject paper filings. The particular county may or may not have an exception for a pro-se filer. You would need to call the county clerk to find out.
My answer to this question is for general purposes only and does not establish an attorney-client relationship and is not legal advice. You should contact an attorney directly for legal advice. We are a debt relief agency and we help people file for relief under the Bankruptcy Code as well as resolve other debt issues.
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