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Can I respond to a lawsuit without a lawyer?

Short answer

Yes. Many people file their own answer using court forms and self-help centers. A lawyer helps for big amounts or complicated cases.

Rules differ by state. This is general information, not legal or professional advice.

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Official sources

National Center for State Courtsncsc.org
Legal Services Corporation: free legal aidlsc.gov
CFPB: sued over a debtconsumerfinance.gov