- 1). Review the Request for Admissions upon receipt. In a credit card lawsuit, instructions explaining how to respond to the request are often included, particularly when the creditor is aware you are representing yourself in the matter. Read through the instructions carefully, as you may be asked to complete the request again if you fail to do so correctly the first time.
Note that if you retained council for the credit card lawsuit, the Request for Admissions should be directed to your attorney, not you. Contact your attorney immediately if you receive the request directly. - 2). Read through the facts presented in the Request for Admissions thoroughly to ensure that each fact is presented accurately and completely. Compare each section to any documents or correspondence you have for the case to double-check each section for accuracy. If you come across any facts that are either incomplete or incorrect, mark or highlight these sections. Do not respond to these sections as truthful or complete, as your responses will become a record and can later be used against you if you later assert the facts are incorrect.
- 3). Draft your answers to the request on a separate piece of scratch paper. Your answer to each fact should be one of the following: "admit," "deny," "partially admit," "partially deny," "unsure/do not know" or "unsure at this time." If you provide any response other than "admit" to any section, provide a detailed reason why you do not admit the fact. If you assert a fact is inaccurate, provide your version of the events underneath your denial.
- 4). Object to any request you feel violates a privilege. Reasons for objecting include attorney/client privilege, work-product privilege and any other proceedings exempt from preliminary disclosure as defined by Rule 26(b) of the Federal Rules of Civil Procedure.
- 5). Prepare a typewritten response to the Request for Admissions using your draft as a guide. If you have any documents that corroborate your assertions of denial, feel free to point to these documents within your responses, using a lettered or numbered system (for example, "Attached hereto as Exhibit A" or "Please see Exhibit 1").
- 6). Review your final typewritten response to check for any inaccuracies. When you are satisfied that your responses are complete and accurate, print your responses and sign the bottom.
- 7). Make a copy of any documents you are submitting to corroborate your responses. Do not send the original documents with your response. If any privileged or unnecessary information is contained within the documents you are submitting, be sure to redact this information using a black felt-tipped pen (on the copies only) prior to sending back your response.
- 8). Make a copy of the original Request for Admission, your responses and copies of any documents you are submitting, if applicable. Retain the copy for your personal records.
- 9). Return the original request and the original signed copy of your responses to the credit card company. If a prepaid envelope was enclosed, use this to mail back your responses. Otherwise, submit your responses using Certified Mail with signature delivery, and retain the signed green receipt as both proof that you returned your responses and that they were received by the credit card company.
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