Legal Question in Credit and Debt Law in California

In response to a collections lawsuit such as this, you have to file a response within 30 days of being served with the Summons and Complaint. There are many possible responses to the complaint, including but not limited to a Demurrer, a Motion to Quash or an Answer. You can also file a cross-complaint against Chrysler Financial if you have grounds to do so. Unfortunately, with many options to respond, it is not possible to give you a "stock" answer that says "do this." You need someone to review the pleadings you have been served with (Summons and Complaint), review the facts of the situation, and guide you through the appropriate response. Alternatively, you can do some research in your local law library about how to respond to a collections law suit. The most common response is an answer with affirmative defenses. That will prevent the case from going to an immediate default judgment. For forms, you can go to the California Judicial Council's website. While your best option is to hire an attorney to represent you, I fully understand that your financial situation might preclude that. You can hire, at a minimum, a paralegal or document drafting service to properly prepare your response. It gets filed, and the filing fee paid at the Court listed on the Summons (has an address, etc...). Good luck - this is a very tough time for everyone, and this can be, as you indicated, very overwhelming.

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