How to Respond to a Debt Collection Lawsuit in South Carolina
The deadline to answer a debt lawsuit in South Carolina, where to file, and what happens if you don't respond.
Short answer: In magistrate court, answer within 30 days after service, in writing (approved Answer form) or in person at the court. If you do not respond within 30 days, a default judgment is entered. S.C. Rules of Magistrates Court 7, 11; S.C. Judicial Branch, Magistrates Court FAQs
| Answering a debt lawsuit | In magistrate court, answer within 30 days after service, in writing (approved Answer form) or in person at the court. If you do not respond within 30 days, a default judgment is entered. |
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| Time limit to sue on a written contract | 3 years for an action on a contract, obligation or liability, express or implied (written or oral). Instruments under seal are excepted. Source: S.C. Code 15-3-530(1); 15-3-520 |
| How long a judgment lasts | A judgment is a lien on the debtor's real estate in each county where it is entered on the abstract of judgments, for 10 years from the date of the judgment. Source: S.C. Code 15-35-810 |
Where to get help in South Carolina
More South Carolina debt & collections
- Statute of Limitations on Debt in South Carolina
- Wage Garnishment in South Carolina
- What Creditors Can't Take in South Carolina
- All South Carolina debt & collections rules
FAQ
How do I respond to a debt collection lawsuit in South Carolina?
In magistrate court, answer within 30 days after service, in writing (approved Answer form) or in person at the court. If you do not respond within 30 days, a default judgment is entered.
What is the statute of limitations on debt in South Carolina?
3 years for an action on a contract, obligation or liability, express or implied (written or oral). Instruments under seal are excepted.
How long does a court judgment last in South Carolina?
A judgment is a lien on the debtor's real estate in each county where it is entered on the abstract of judgments, for 10 years from the date of the judgment.
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.