Sued by a debt collector in Indiana, Connecticut, Florida, Ohio or Wisconsin? The clock is already running.

Say nothing, and most of these cases end the same way: a default judgment, decided without you. Each state gives you a way to respond, and each puts a clock on it. We read your court record, tell you the date that applies, and prepare your court-ready response for a flat $149.

Pick my state Text us your case number
  • Not a law firm — we say so plainly
  • Check your case on the state's own site
  • Flat fee, no hourly billing
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Which state sued you?

The rules that decide what happens next are different in each state. Pick yours: the page that opens has a free case lookup, the deadline that actually applies to you, and what the law gives you — every line with the rule it comes from.

Indiana

About 20 days to file a written Answer.

  • The clock starts the day you're served — Trial Rule 6(D)(1); three more days if the papers came by mail.
  • Say nothing and the collector can take a default judgment; garnishment can follow, up to a quarter of take-home pay.
  • Check any case free on mycase.in.gov, the state's own site.
Indiana: check my deadline

Connecticut

The court prints an answer date on your case.

  • File an answer on or before that date — by mail, fax, hand delivery or E-Services. Answering costs nothing at the court.
  • With no answer on file, the claim can be decided without you: 71% of Connecticut's small-claims debt cases filed July 2022 – January 2025 ended that way.
  • The writ and the answer date are on the Judicial Branch's own case look-up, free.
Connecticut: check my answer date

Florida

20 days after service to file a written response.

  • County-court debt cases over $8,000: the summons gives 20 calendar days after it is served on you — Rule 1.140(a).
  • With nothing filed, the plaintiff can ask the clerk for a default; Florida allows wage and bank garnishment after a judgment.
  • Check your case on the county clerk's own site — HOVER in Hillsborough, Court Records in Pinellas.
Florida: check my deadline

Ohio

28 days after service to answer in writing.

  • Municipal-court debt cases in Columbus and Dayton: the Answer is due 28 days after the summons and complaint are served — Civil Rule 12(A)(1).
  • Service is usually certified mail, and the clock starts on the delivery date — even if someone else at the address signed.
  • Check your case on the municipal court clerk's own site.
Ohio: check my deadline

Wisconsin

Your summons sets a return date.

  • Small-claims debt cases: by the return date printed on your summons, file the court's answer form, appear, or both — the summons says which (Wis. Stat. 799.05, 799.22).
  • The court has its own answer form; we complete it with your words. There is no fee to file an answer.
  • Check your case on WCCA, the courts' own site, with your county and case number.
Wisconsin: check my return date

Sued somewhere else? Text us anyway — if we can't help, we'll say so and point you to who can.

The package

What we prepare, and how it works.

Text us your case numberWe confirm the case in the public record and text you back, usually the same day.
We read your court recordCourt, case number, plaintiff, the papers filed, and the date that applies. Then we ask you the few questions only you can answer.
You review and signEverything is prepared for your case. Sign it with your finger on your phone, or print it and sign it — in Ohio the clerk takes a paper original.
You file itIn Indiana, e-file free or hand it to the clerk; in Connecticut, by mail, fax, hand delivery or E-Services (after signing up); in Florida, e-file through the state's portal or file it with the clerk; in Ohio, file it with the clerk and send a copy to the plaintiff's lawyer; in Wisconsin, file the court's answer form and mail the plaintiff a copy, or bring it if your summons says to appear. We stay on text and email until it's in.
Page one of a sample Answer prepared by MyCivilHelp for a fictitious defendant, watermarked SAMPLE
Page one of a real Indiana Answer from our builder, for a fictitious defendant. Yours is prepared for your state, your court and your case number.
$149flat, for the whole package
  • The forms your state requiresIndiana's Appearance form; in Connecticut, your answer, ready by the answer date; in Florida and Ohio, a written Answer to each paragraph of the complaint; in Wisconsin, the court's own answer form, completed with your words. Filled in for your court and case number.
  • Written Answer, with certificate of serviceResponds to each claim in the complaint, in your words, and puts the plaintiff to its proof on what you deny.
  • The extra page your state calls forIndiana: the notice for one automatic 30-day extension. Connecticut: your answer date, read from the court's own record. Florida and Ohio: the count from your service date (20 days in Florida, 28 in Ohio), and the deadlines that follow it. Wisconsin: the return date from your summons.
  • Filing instructionsStep by step for your court: e-filing or the clerk's window in Indiana, mail, fax, hand delivery or E-Services in Connecticut, the state's e-filing portal or the clerk in Florida, the clerk and the plaintiff's lawyer in Ohio, the clerk or the return date in Wisconsin.
  • What happens nextWhat the collector may do in the following weeks, and what each notice means.
  • Questions answered by text and emailUntil it's filed, and after.
No printer? Sign it on your phone, free — except in Ohio, where the clerk takes a printed, ink-signed original. Your file never leaves your device.
Start with your case number Pay $149 now

You review it, you sign it, you file it, you stay in control. We don't give legal advice or promise an outcome — we prepare the documents you choose to file, and we get the details right.

About us

Who we are — and who we aren't.

MyCivilHelp is the Indiana, Connecticut, Florida, Ohio and Wisconsin service of Tx Civil Help Inc, which has prepared debt-defense documents for people sued by debt buyers since 2025. We are not a law firm and we will never pretend to be one.

Founder & software developer

Uma Maheshwar Reddy Thipparthi

Uma founded Tx Civil Help in 2025 after seeing how routinely people lose debt cases by default: beaten by a missed deadline rather than by the facts. The company was built around a single idea: the paperwork that protects you shouldn't cost more than the debt you're being sued over.

He wrote the software that reads the public docket, finds the deadline that applies and prepares each package, and he sets how we operate: flat, published pricing instead of hourly billing, plain English instead of legalese, and a written reply to every person who contacts us, whether or not they ever become a client.

Uma is not an attorney, and we do not give legal advice. We prepare court documents at your direction.

View founder profile on LinkedIn

We'd rather you pick the right option than the one that pays us. Here is every route, including the free ones.

Do nothingEverythingDefault judgment — the claim decided without you.
Hire an attorneyVariesThe strongest option if your case is large or complicated — and we'll tell you when we think it is.
Online form generatorVariesYou answer a questionnaire and software fills a template. Reading the record and getting the details right are on you.
Do it yourselfFreeAbsolutely possible. In Indiana, Florida and Ohio you draft the Answer yourself; in Connecticut and Wisconsin the court has an answer form to complete. Indiana Legal Help, CTLawHelp and FloridaLawHelp.org, Ohio Legal Help and the Wisconsin courts' self-help pages have resources; legal aid may help if you qualify.
MyCivilHelp$149We read your actual court record, prepare the complete package for your case, and answer your questions by text and email until it's filed.
How did you know I was sued?

Court filings are public record from the day they're filed. We read the public records — Indiana's at mycase.in.gov, Connecticut's at civilinquiry.jud.ct.gov, Florida's on each county clerk's site, Ohio's on each municipal court clerk's site, Wisconsin's on WCCA — the same records you can search yourself, which is exactly why we hand you the case number and ask you to check.

What if I haven't been served yet?

Then you're in the best position of anyone reading this. In Indiana and Florida the 20 days, and in Ohio the 28 days, start when you're served — in Ohio, if anyone at your address signed for a certified letter from the court, you may already be served; ask the clerk. In Connecticut the answer date is already on the case record; in Wisconsin the summons prints the return date. Either way, you can have the response ready and file it in time.

Is $149 really the whole price?

Yes — that is our fee, not the debt. No hourly billing, no percentage, no charge for questions. In Indiana, and in Connecticut small claims, filing an answer costs nothing at the court; where a court charges a filing fee, we tell you what it is before you pay us.

What if I actually owe the money?

Plenty of people do. Responding is how your side gets into the case; saying nothing is how a default judgment happens. What your response says is your choice — we prepare the documents you choose to file.

I already have a judgment against me. Is it over?

Not necessarily. Indiana, Florida, Ohio and Wisconsin let a person ask the court to set a judgment aside in certain situations, within time limits that depend on the reason. Whether anything applies to you depends on the record and your state's rules. Text us the case number and we'll tell you what the docket shows, at no charge, and whether we think a lawyer should look at it.

Who is behind MyCivilHelp?

Tx Civil Help Inc, a Texas corporation founded in 2025 by Uma Maheshwar Reddy Thipparthi, who runs it today. You can reach us at [email protected] or by text at (888) 396-7107. Texas is where we started; Indiana, Connecticut, Florida, Ohio and Wisconsin are where we work next.

Before you trust us

Worried this is a scam? Good. Check.

A text about a lawsuit from a company you've never heard of should make you suspicious. Every item below is a record we don't control. Check them, then decide.

The company is on the public record

Tx Civil Help Inc is a Texas corporation, Secretary of State file no. 806499657, at 5900 Balcones Dr #13025, Austin, TX 78731. Search the name on the Texas Comptroller's own site.

Search the Texas Comptroller

A named owner you can look up

Uma Maheshwar Reddy Thipparthi founded the company in 2025 and runs it today. His professional profile is public, and the company he runs is the one that will be preparing your documents.

Uma on LinkedIn

Your case is on the state's site

We only know what the court published. Check the case number yourself on the court's or the clerk's own site: mycase.in.gov for Indiana, civilinquiry.jud.ct.gov for Connecticut, the county clerk's site for Florida, the municipal court clerk's site for Ohio, WCCA for Wisconsin.

Open mycase.in.gov Open the Connecticut case look-up Florida: find your clerk Ohio: find your clerk Wisconsin: search WCCA

Payment goes through Stripe

Card details never come to us. The receipt says Tx Civil Help Inc, the charge is $149, once, and there is no subscription. The Texas site takes payment the same way.

See the Texas site
What we will never ask forYour Social Security number, your bank login, or a card number by text or email. And we never ask you to pay before you've checked your case on the state's site.
How we reach youTexts come from (888) 396-7107 and email from [email protected]. We don't phone you; anything else isn't us. Text us before you decide anything. Verifying costs nothing.

Step-by-step instructions for each state's site, and a case-number lookup, are on the verify page.

Text message updates

Get case updates by text

Give us your mobile number and we'll text you about your case — deadline reminders, answers to your questions, and confirmation when your documents are ready. This is opt-in: we only text people who ask us to.

SMS terms & consent

How you opt in. We send text messages only to people who have asked us to: by submitting the form on this page, by texting us first, or by giving us your mobile number when you contact us by email or through this site. We do not send text messages to people who have not opted in.

What we send. Case notifications, deadline reminders, replies to your questions, and confirmation when your documents are ready. Message frequency varies by your case. Message and data rates may apply.

How to stop. Reply STOP to any message and we stop immediately and permanently. Reply HELP for help, or email [email protected]. You can also opt out at any time by emailing us.

Your privacy. We never sell, rent, or share your mobile number with third parties, and we do not share it for marketing purposes. Carriers are not liable for delayed or undelivered messages. We honor the Indiana Do Not Call registry.

Questions: [email protected] · MyCivilHelp is a service of Tx Civil Help Inc, 5900 Balcones Dr #13025, Austin, TX 78731.

Check my deadline — free