Sample Answer for California Credit Card Litigation

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This sample answer for California credit card litigation in California is for use by a defendant who is being sued by either a credit card company directly, or by a collection agency that has been assigned the debt. The answer is designed for an unverified complaint and contains numerous affirmative defenses as well as a proof of service by mail. The author is a freelance paralegal with over 20 years of experience in California civil litigation and has used this sample for many years. Note that the author is NOT an attorney and no guarantee or warranty is provided.