Legal Question in Credit and Debt Law in California

It is very important to respond to all three within the 30-day period (unless the person who sent them to agrees to an extension of time, in writing). Your failure to respond could result in the plaintiff brining a motion to compel those responses, and possible monetary sanctions against you by the court. If you have the time to spend in a law library figuring out what you need to do, you could do the responses yourself. However, there are very specific rules concerning discovery which you must follow (such as providing the responses under oath) or any response you give may be no better than no response at all. It would be better for you to hire an attorney to represent you so you don't do something wrong.

What's wrong with this picture? You should have written a debt validation letter the first time you received a bill. Then, when you were sued, you should have consulted an attorney instead of filing forms with the court on your own. By doing so you may have waived good defenses to the lawsuit. If you really have a defense, such as it's not your debt, in all probability your attorney fees would be reimbursed. Many attorneys take cases like yours for modest fees. Start calling attorneys.