What happens if you are taken to court for money you owe
hat happens if you are
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What happens if you are taken to court for money you
If you owe money to someone, they might take you to court to get it back. To
do this, they have to fill in a claim form with details of the money you owe and
then send it to court. If the claim against you is for less than £5,000, the court
will almost certainly decide it's a small claim. The information that follows
applies to small claims. If you owe more than £5,000, you should get
experienced advice immediately.
What happens when a small claim is made against you
When a claim is made against you, you'll receive a number of documents from
the court. The first document will be the claim form. There will be a claim
number on it, which should be quoted on any letter or document you send to
the court. The claim form must be stamped by the court. If yours isn't, the
person you owe money to might be trying to harass you by pretending to send
you court papers. You might want to report this to the police.
On the claim form, there will be brief details of the claim and how much the
other person is claiming you owe them. There might be fuller details of the
claim, either on the claim form itself or in a separate document attached.
You will also receive other papers in what is called a response pack. These
• a form to use if you are saying you don't owe the money (a defence
• a form to use if you accept you do owe the money (an admission
• a form to use to confirm that you got the documents (an
acknowledgment of service).
You'll always need to fill in the acknowledgement of service, as well as one of
the two other forms, depending on your case.
It's very important that you deal with the papers that the court s