How do I answer a debt collection lawsuit in Utah?: 7 Mistakes to Avoid

In Utah, ignoring a debt collection complaint can lead to a default judgment against you. That means the court basically agrees with the debt collector because you didn’t respond. Default judgments let collectors garnish wages or freeze bank accounts—even if the debt isn’t yours. Utah law generally gives you just 21 days from when you’re served to file an answer (Utah Code § 78B-6-110). Always mark the deadline on your calendar after being served—missing it could cost you.

Utah courts take your answer seriously. If you admit to owing a debt in your response—even by accident—it may be hard to change your story later. Review the Complaint line by line. Only admit what you know is 100% true. Deny anything you’re unsure about or don’t recognize. If you need more information, you can reply with “lack of knowledge.”

Utah state courts provide approved forms for answering a lawsuit—using the wrong form can delay your case. The official Answer form is found on the Utah Courts website. Fill it out carefully, print clearly, and keep a copy for your records. Pay careful attention to any instructions the court or the papers you were served provide.

1. Download the correct Utah Answer form online or get a paper copy at the court.
2. Follow the instructions—every court detail matters.
3. File by the deadline to avoid a default judgment.

After filling out your Answer, you must file it with the court and serve a copy on the debt collector or their lawyer. Filing means submitting the Answer to the court clerk (online or in person). Serving means sending a copy to the opposing side—usually by mail or as directed in your lawsuit papers (Utah Code § 78B-8-302). If you skip service, the court may not consider your Answer at all.

Every Utah case is unique. Online templates not tailored for Utah may include defenses that don’t apply here—or even make things worse. Utah courts expect honest, personalized answers. Carefully review your lawsuit and answer each allegation in your own words.

Utah law gives you a chance to raise defenses that may defeat the debt collector’s claim. For example: the debt may be too old (Utah Code § 78B-2-307), already paid, or not yours. Use your Answer to briefly state these defenses so you preserve your right to use them later. Skipping this step may waive defenses that could win your case.

• Debt is past the Utah statute of limitations
• Mistaken identity or wrong amount
• Already paid or settled
• Debt discharged in bankruptcy

Debt collectors filing in Utah courts must prove you owe the debt—and they often lack the paperwork. It’s your right to make them show evidence: contracts, billing history, or assignment of the debt. Politely ask for written proof in your Answer or at trial. Sometimes cases are dismissed because collectors can’t provide these documents.

Tip: Debt buyers (not the original creditor) especially have to prove details. If you receive paperwork you don’t understand, consult a Utah attorney or use court self-help resources.

• Respond to every court document promptly—Utah courts move quickly.
• Keep copies of everything you file or receive.
• If you settle, get the agreement in writing and notify the court.
• Watch for court notices about hearings—missing a hearing could mean losing by default.
• Consider free or low-cost legal help via Utah Legal Services or law school clinics.

Remember: Utah law protects you from some unfair debt collection practices (Utah Code § 70C-7-107).