Quote Quoting adjusterjack
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The way you respond is you file a Defendant's Answer and address each of the allegations listed in the Complaint.

If you don't know what you got because you didn't go to the courthouse to get copies of the case file like I suggested earlier, then I don't know what to tell you.
I found out today that it's going to cost $37 to file an answer form in response to the Default action that was filed against me. Rather than waste more money, would it make sense if I skip filing a response and contact the prosecuting law firm right away to negotiate a settlement??

BTW, I haven't had time to get copies of the case file yet. For now, I'm just wondering if I would be better off by contacting the law firm to make a settlement, and skip filing a response?

Thanks again.