[qebaker]

What's the correct way to answer/respond to a civil summons for a collection of debt when the debt is not disputed?

[mr.yet]

File Notice of Intent to Defend, I you don't they will obtain a default summary judgment against you, garnish wages and accounts.

Go to the hearing a and demand to see the original contract youy signed, nothing less.

They must prove it valid.

[ScottGem]

Why would you hand them a default judgement? Make them work for it.

[Mr-E]

What's the correct way to answer/respond to a civil summons for a collection of debt when the debt is not disputed?

I am facing a similar problem. Get a phone book and look for an attorney who specializes in "consumer law". The attorney, who I hired, told me to "always dispute any claims". As Mr.Yet and ScottGem have pointed out, don't hand them a default judgement. Here in Georgia, a default judgement can be renewed every 7 years. This situation means that the plaintif can legally perpetuate a debt until you die. I imagine that it varies depending on the state laws. But would you want to put yourself in that sort of situation? I think not. Fight it!