Created by experienced legal-document professionals
Sued by a Debt Collector in Florida? Answer Kit
File your Answer on time, raise the right defenses, and make a debt buyer prove it owns your debt — step by step, without a lawyer.
Comparable single-document services charge $249 to generate one Answer. This kit is the whole defense — $67.
$67one-time · instant download
Instant download: the Florida guide (PDF), editable Answer + discovery templates (.docx), court-day prep, and a debt-validation letter.
⏱ Your clock is running
First check the amount — $8,000 or under, your case is likely small claims and your job is to SHOW UP at the pretrial conference on your Notice to Appear (no written answer required, but missing the conference means default — Fla. Sm. Cl. R. 7.010(b), 7.090(b)–(c)). Over $8,000, you must serve a written Answer within 20 days after service (Fla. R. Civ. P. 1.140(a)(1)). The clock runs from the day you were served. Calendar it today.
Primary-source verified — every letter cites the exact statute it relies on, checked against the actual U.S. Code, not a summary.
Built on verified federal AND state law — every deadline checked against the current court rule.
Researched and citation-checked to current law.
What's inside
The Florida Answer Kit Guide (PDF)The clock, what you were served, the three mistakes that lose the case, how the Answer works, the affirmative-defenses checklist, how to make a debt buyer prove ownership — with Florida's deadlines and statute-of-limitations periods inline (written contract 5 years, Fla. Stat. § 95.11(2)(b); not founded on a written instrument 4 years, § 95.11(3)(j)).
Answer Template (editable .docx)Caption block, paragraph-by-paragraph response structure (admit / deny / deny for lack of knowledge), affirmative defenses, prayer, signature and certificate of service — fill the highlighted blanks.
Discovery Starter (editable .docx)Requests for production, requests for admission, and interrogatories aimed at the debt buyer's weakest point: proving it owns YOUR account.
Court Day Prep (PDF)One page. What to bring, your two best points, how to carry yourself.
Debt Validation Demand letter (editable .docx)From our Credit & Debt Letter Arsenal — force the collector to document the debt before or alongside your Answer.
How it works
1. Instant download. Everything lands in your email the moment you buy.
2. Read the guide's START HERE page. Calendar your deadline first — everything else follows.
3. Complete, sign, file. Fill the highlighted blanks in the Answer template, file it with the court by your deadline, and serve a copy. You complete, sign, and file every document yourself.