How to Respond to a Debt Collection Lawsuit in Pennsylvania
The deadline to answer a debt lawsuit in Pennsylvania, where to file, and what happens if you don't respond.
Short answer: In the Court of Common Pleas, file a written response within 20 days after a complaint with a Notice to Defend is served on you. Smaller claims filed with a Magisterial District Judge are set for a hearing instead. Pa.R.C.P. 1026(a)
| Answering a debt lawsuit | In the Court of Common Pleas, file a written response within 20 days after a complaint with a Notice to Defend is served on you. Smaller claims filed with a Magisterial District Judge are set for a hearing instead. Source: Pa.R.C.P. 1026(a) |
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| Time limit to sue on a written contract | 4 years for an action on a contract, obligation or liability founded on a writing. A written instrument under seal has a 20-year limit. 20-year rule: https://www.palegis.us/statutes/consolidated/view-statute?txtType=PDF&ttl=42&div=0&chapter=55§ion=29&subsctn=0 |
| How long a judgment lasts | A judgment lien on real estate lasts 5 years; an action to revive the lien must be brought within 5 years. Execution against personal property may be issued up to 20 years after the judgment is entered. 5-year revival period: https://www.palegis.us/statutes/consolidated/view-statute?txtType=PDF&ttl=42&div=0&chapter=55§ion=26&subsctn=0 Source: 42 Pa.C.S. 5526(1); 5529(a) |
Where to get help in Pennsylvania
More Pennsylvania debt & collections
- Statute of Limitations on Debt in Pennsylvania
- Wage Garnishment in Pennsylvania
- What Creditors Can't Take in Pennsylvania
- All Pennsylvania debt & collections rules
FAQ
How do I respond to a debt collection lawsuit in Pennsylvania?
In the Court of Common Pleas, file a written response within 20 days after a complaint with a Notice to Defend is served on you. Smaller claims filed with a Magisterial District Judge are set for a hearing instead.
What is the statute of limitations on debt in Pennsylvania?
4 years for an action on a contract, obligation or liability founded on a writing. A written instrument under seal has a 20-year limit.
How long does a court judgment last in Pennsylvania?
A judgment lien on real estate lasts 5 years; an action to revive the lien must be brought within 5 years. Execution against personal property may be issued up to 20 years after the judgment is entered.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.