Legal Question in Credit and Debt Law in Massachusetts

The answer takes far less effort than the Motion to Extend, unless you are going to bring counterclaims - then you may need extra time to work on those. But if you're going to file a regular answer, it's rather straight forward. If Discover is represented by the law office that does most credit card litigation in MA, their Complaint is 2 paragraphs: first one states that there was a contract for repayment and the second stating that you breached it. If applicable, you would deny both, and your Answer would simply say: 1. Denied and 2. Denied. That's all.

However, if you have counterclaims, those must be brought at the time of the filing of the Answer, and in that case your pleading will require more work.

This is not legal advice. This is general guidelines. Good luck.

It would be easier for you to simply call up the debt collection firm's attorneys and request an extension of time in which ti file your answer. You then want to confirm that conversation in writing immediately. Our firm represents consumer in cases like yours throughout the Commonwealth. We vigorously represent clients in court and assist in negotiating attractive settlements. Feel free to give our office a call.