Civil Court of the City of New York County of Index Number Plaintiff(s), -against- ORAL ANSWER CONSUMER CREDIT TRANSACTION Defendant(s), Defendant has appeared and has orally answered the Complaint as follows: Defendant's address if different than address on summons: ANSWER: (Check all that apply) 1. 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. 2. 3. DEFENSES 4. I do not owe this debt. 5. I am a victim of identity theft or mistaken identity. I am not responsible for this debt. 6. I have paid all or part of the debt. 7. I disagree with the amount of the debt/the amount is incorrect. 8. I do not have a business relationship with Plaintiff. (Plaintiff lacks standing.) The NYC Department of Consumer Affairs shows no record of plaintiff having a license to collect debt. 9. 10. Plaintiff does not allege a debt collector's license number in the Complaint. Statute of limitations (the time has passed to sue on this debt). 11. 12. This debt was discharged in bankruptcy. 13. The collateral (property) was not sold at a commercially reasonable price. Unjust enrichment (the amount demanded is excessive compared with the original debt). 14. Violation of the duty of good faith and fair dealing. 15. 16. Unconscionability (the contract is unfair.) 17. Laches (plaintiff has excessively delayed in bringing this lawsuit to my disadvantage). 18. Defendant is in the military. 19. Other OTHER 20. Please take notice that my only source of income is , which is exempt from collection. COUNTERCLAIM(S) 21. Reason: Counterclaim(s): $ This case is scheduled to appear on the calendar as follows: Date: P art: Room: Time: Both sides notified Plaintiff/Plaintiff s Attorney's name and address, CrV-GP-58 a Oral Answer Consumer Credit (Revised 12/08) American LegalNet, Inc. www.FormsWorkflow.com