When giving your answer to an old credit card debt summons do you just answer or do you answer and give your defense at the same time

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Originally Posted by desert dawgg

when giving your answer to an old credit card debt summons do you just answer or do you answer and give your defense at the same time

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A new question should be in a new thread.

So-called "affirmative defenses" (such as SOL) are normally pleaded in the answer.