The Legal Innovation & Technology Lab's Form Explorer ^Beta @ Suffolk Law School Last updated 2023-04-02

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Here is the text we could read:

 

 

 
 
 
 
 
 

 
Name 
 
Address 
 
City, State, Zip 
 
Phone 

v. 

1. 

 

 

2. 

 

 

 
Email  
I am   [  ]  Plaintiff/Petitioner 

 
Check your email. You will receive information and 
documents at this email address.  
 
[  ]  Defendant/Respondent 

[  ]  Plaintiff/Petitioner’s Attorney  [  ]  Defendant/Respondent’s Attorney  (Utah Bar #:__________) 
[  ]  Plaintiff/Petitioner’s Licensed Paralegal Practitioner 
[  ]  Defendant/Respondent’s Licensed Paralegal Practitioner   

(Utah Bar #:__________) 

In the District Court of Utah 

__________ Judicial District ________________ County 

Court Address ______________________________________________________ 

_____________________________________ 
Plaintiff 

Answer – Debt Collection Case 

_______________________________ 
Case Number 

_____________________________________ 
Defendant 

_______________________________ 
Judge 

Agree 
I agree completely with everything stated in the following numbered paragraphs 
of the complaint (Write the paragraph number(s) from the complaint.):  

Disagree 
I disagree with all or part of the following numbered paragraphs of the complaint 
(Write the paragraph number(s) from the complaint.): 

1013GEJ Approved December 18, 
2017 /  Revised September 17, 2019 
 

Answer – Debt Collection Case 

Page 1 of 6 

 

Not enough information to agree or disagree 
I do not have enough information to agree or disagree with the following 
paragraphs of the complaint (Write the paragraph number(s) from the complaint.):  

Explanation of responses (Optional. Complete only if you have more to say. Add additional pages 
if needed.) 

Referring to paragraph number _______ of the complaint or petition, I state that:  

Referring to paragraph number _______ of the complaint or petition, I state that:  

Affirmative defenses 
(Optional. Complete these paragraphs only if you know a reason why the plaintiff should not win the case, 
other than what you have already stated in your answers above. Check all defenses that apply and add 
any additional defenses.) 

6.  

[  ]  Account issues 

  The account is not my account, or 
 
 

I am not the person who placed the charges on the account, or 
I am not the person who incurred the debt. 

7.  

[  ]  Ambiguous contract 

The contract is too ambiguous to be enforced. 

[  ]  Bankruptcy 
 

I have a pending bankruptcy case or the debt was discharged in a previous 
bankruptcy case.  

 
 

  Date case filed: ________________________________ 
  Bankruptcy case number: ________________________________ 

1013GEJ Approved December 18, 
2017 /  Revised September 17, 2019 
 

Answer – Debt Collection Case 

Page 2 of 6 

 

     

     

3. 
 

 

4. 

 

5. 

 

8. 
 

 
 

 

9.  
 

[  ]  Claims not allowed 
 

The claims are not allowed because the debt is based on: 

  a contract of adhesion (i.e. a take-it-or-leave-it contract),  
  an unconscionable contract,  
  a contract that is illegal or against public policy,  
  an illusory contract (i.e. a contract for which I did not receive anything 

in exchange), or  

  a contract that I did not sign or otherwise agree to. 

10.  
 

[  ]  Co-signer 
 

I was a co-signer but was not informed of my rights as a co-signer. 

11.  

[  ]  Contract cancelled 

 
 

I legally cancelled the contract and therefore do not owe anything, or 
the creditor cancelled the contract and therefore is not entitled to 
payment. 

12.  
 

[  ]  Debt ownership 
 

The plaintiff is not the original owner of the debt and may not be able to 
prove that it rightfully owns the debt. 

13.  

[  ]  Debt paid or excused 

The debt has been paid or excused. For that reason, the claims are barred 
by accord and satisfaction, discharge, waiver, or release. 

14.  
 

[  ]  Fraud or duress 
 

The creditor lied to me, threatened me, or physically forced me to enter the 
contract or do the deal. For that reason, the claims are barred because the 
debt was procured through fraud, fraud in the inducement, or duress 
(Explain.):  

15. 

[  ]  Goods and services issues  

 

 
 

I never received the goods or services for which the debt was allegedly 
incurred, or 
the goods and services were defective, or 
the creditor damaged my property when delivering the goods or 
services. 

1013GEJ Approved December 18, 
2017 /  Revised September 17, 2019 
 

Answer – Debt Collection Case 

Page 3 of 6 

   

 

 

 

16.  

[  ]  Laches, estoppel or unclean hands 

  The creditor/plaintiff waited too long to bring the claims, or 
it is unfair for the creditor/plaintiff to bring the claims, or 
 
the creditor/plaintiff behaved badly with regard to the alleged debt.  
 

For that reason, the claims are not allowed by laches, estoppel, or unclean 
hands. 

17.  
 

18.  
 

[  ]  Loan acceleration 
 

The creditor was not permitted to accelerate the loan. 

[  ]  Mitigation of damages 
 

The creditor did not mitigate damages. They failed to take actions to protect 
themselves and/or minimize the amount of the alleged debt. 

The complaint does not state a claim on which relief can be granted.   

I am entitled to an offset for amounts that I have paid or that should 
otherwise be credited to me. 

The plaintiff did not perform under the contract and is therefore barred from 
recovering under the contract. 

19. 

[  ]  No claim 

20.  
 

[  ]  Offset 
 

21.  
 

[  ]  Performance 
 

22.  
 

[  ]  Res judicata 
 

I or someone associated with me has previously been sued for the alleged 
debt. For that reason, the claims are barred by res judicata. 

23.  
 

[  ]  Sale of property – commercially reasonable manner 
 

After repossessing my property, the creditor or its representatives did not 
sell the property in a commercially reasonable manner (i.e. they sold it 
without properly advertising it or for less than it was worth). 

24.  
 

[  ]  Sale of property – notice 
 

After repossessing my property, the creditor or its representatives did not 
give me proper notice of the date, time and place of sale, thereby entitling 
me to offsetting statutory damages.  

25.  
 

[  ]  Statute of frauds 
 

The alleged debt is based on a credit agreement or an agreement to pay the 
debt of another person, but the contract is not in writing and signed as 
required by the statute of frauds and is therefore barred. 

 

1013GEJ Approved December 18, 
2017 /  Revised September 17, 2019 
 

Answer – Debt Collection Case 

Page 4 of 6 

 

26.  
 

[  ]  Statute of limitations 
 

The claims are barred because they were brought after the six-year statute 
of limitations period for actions based on a contract, or because another 
applicable statute of limitations has expired.   

27.     [  ]  Other  (State any other reason why the plaintiff should not be granted their request.) 

28.  Request 

(Optional. Specifically explain what you want the court to do based on your defenses.) 

laintiff/Petitioner or Defendant/Respondent  

I declare under criminal penalty under the law of Utah that everything stated in this document is true. 

Signed at ______________________________________________________ (city, and state or country). 

ttorney or Licensed Paralegal Practitioner of record (if applicable) 

Signature ► 

Printed Name 

Signature ► 

Printed Name 

 

 

 

 

   

   

 

 

    P

    A

 

 
Date 

 
Date 

1013GEJ Approved December 18, 
2017 /  Revised September 17, 2019 
 

Answer – Debt Collection Case 

Page 5 of 6 

 

 

 

 

Certificate of Service 

I certify that I filed with the court and am serving a copy of this Answer – Debt Collection Case on the 
following people. 

Person’s Name 

Service Method 

Service Address 

Service 
Date 

 

 

 

 

 
Date 

 

 

 

 

[  ]  Mail 
[  ]  Hand Delivery 
[  ]  E-filed 
[  ]  Email 
[  ]  Left at business (With person in charge 

or in receptacle for deliveries.) 

[  ]  Left at home (With person of suitable 

age and discretion residing there.) 

[  ]  Mail 
[  ]  Hand Delivery 
[  ]  E-filed 
[  ]  Email 
[  ]  Left at business (With person in charge 

or in receptacle for deliveries.) 

[  ]  Left at home (With person of suitable 

age and discretion residing there.) 

[  ]  Mail 
[  ]  Hand Delivery 
[  ]  E-filed 
[  ]  Email  
[  ]  Left at business (With person in charge 

or in receptacle for deliveries.) 

[  ]  Left at home (With person of suitable 

age and discretion residing there.) 

Signature ► 

Printed Name 

 

 

1013GEJ Approved December 18, 
2017 /  Revised September 17, 2019 
 

Answer – Debt Collection Case 

Page 6 of 6

Answer – Debt Collection Case

This info page is part of the LIT Lab's Form Explorer project. It is not associated with the Utah state courts. To learn more about the project, check out our about page.

Downloads: You can download both the original form (last checked 2023-03) and the machine-processed form with normalized data fields.

About This Form:

Sourced from legacy.utcourts.gov (2023-03)
Page(s): 6
Fields(s): 145
Average fields per page: 24
Reading Level: Grade 11
LIST Grouping(s): Unknown

Use our Rate My PDF tool to learn more. Go beyond the above insights and learn more about this or any pdf form at RateMyPDF.com, includes: counts of difficult words used, passive voice decetion, and suggestions for how to make the form more usable.

Identified Data Fields:

We have done our best to automaticly identify and name form fields according to our naming conventions. When possible, we've used names tied to our question library. See e.g., user1_name. If we think we've found a match to a question in our library, it is highlighted in green. Novel names are auto generated. So, you will probably need to edit some of them if you're trying to stick to the convention.

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The Legal Innovation & Technology Lab's Form Explorer Beta @ Suffolk Law School Last updated 2023-04-02

Answer – Debt Collection Case

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The Legal Innovation & Technology Lab's Form Explorer ^Beta @ Suffolk Law School Last updated 2023-04-02