Civil Court of the City of New York County of Index Number Plaintiff(s), ORAL ANSWER ACTION FOR MONEY ONLY -againstDefendant(s) Defendant has appeared and has orally answered the Complaint as follows: Defendant's address if different than address indicated on summons: ANSWER: (Check all that apply) I. General Denial: I deny the allegations in the Complaint. SERVICE I did not receive a copy of the Summons and Complaint. I received the Summons and Complaint, but service was not correct as required by law. DEFENSES I do not owe this debt. I did not incur this debt. I am a victim of identity theft or mistaken identity. I have paid all or part of the alleged debt. I dispute the amount of the debt. Plaintiff is required to be licensed by the department consumer affairs of the City of New York and does not allege a license number in the Complaint. Statute of limitations (the time has passed to sue on this debt: more than six years). This debt has been discharged in bankruptcy. The collateral (property) was not sold at a commercially reasonable price. Unjust enrichment (the amount demanded is excessive compared with the original debt). Violation of the duty of good faith and fair dealing. Unconscionability (the contract is unfair.) Laches (plaintiff has excessively delayed in bringing this lawsuit to my disadvantage). Defendant is in the military. Other 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. OTHER 18. Please take notice that my only source of income is collection. COUNTERCLAINI(S) 19. Counterclann(s): $ Reason: , which is exempt from This case is scheduled to appear on the calendar as follows: Date: In art: Room: Time: Both sides notified Plaintiff/Plaintiff s Attorney's name and address, CIV-GP-58c Oral Answer Money Only (12/08) American LegalNet, Inc. www.FormsWorkflow.com