MyCivilHelp — Sued for a debt in Indiana? Answer before the deadline.

A sealed manila envelope on a limestone doorstep, lit by an open door — Lawsuits are public the day they're filed. Serving the papers takes days or weeks — that gap is your head start.

Chapter one

Is this real?

Don't take our word for it. Every Indiana lawsuit is public record. Type the cause number from our message or your papers: we decode it, and if it's a case we've read from the public docket, we show you exactly what the court published, so you can check it against the state's own site.

Decode your cause number

Type it exactly as it appears on our message or your papers.

Cause number — looks like 49D04-2608-CC-047424

County

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Court

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Filed

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Case type

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See it on mycase.in.gov How to search, step by step

A brass hourglass with gold sand running, on dark slate — Indiana Trial Rule 6(C): twenty days. Rule 6(E): three more if the papers came by mail.

Chapter two

How long do you actually have?

Most people guess. Guessing is how deadlines get missed. Enter the day the papers reached you.

The date you received the lawsuit papers

How did you receive them?

In person By mail Not served yet

—pick a date

Your deadline appears here, with the exact day of the week.

An estimate from the Trial Rules, not legal advice; it does not account for court holidays or an extension a judge granted. Always confirm your own date with the court — we'll help you check, free.

Chapter three

What silence costs.

Indiana courts recorded 153,306 civil collection lawsuits in 2025 — about 420 a day.¹ Debt buyers file in bulk because most people never answer. A judgment doesn't stay the size it started at, and it can be collected straight out of your wages.

How much are they suing you for?

Your take-home pay per week — optional

Doing nothing vs. answering

Judgment against you—

After three years of statutory interest—

Filing an Answer with us$149

The capital of a fluted Indiana limestone column against an evening sky — Indiana's courts are built for people who represent themselves. The rules that protect you are written down, and they don't change because you don't have a lawyer.

Chapter four

What the law gives you.

A lawsuit is a claim, not a verdict. Before a judge signs anything, the company suing you has a list to get through. Yours is shorter.

The collector's job

Prove the account is yours
Prove it owns the account: every sale from the original bank down to the company suing you
Prove the amount, charge by charge, fee by fee
Prove it sued within six years of your last payment
Prove you were properly served

A debt buyer that paid about four cents on the dollar has to do all of this before a judgment can be entered against you.

Your job

File a written Answer within 20 days of being served
Show up when the court sets a date

We prepare the first one. You sign it on your phone and file it, free.

Nothing is decided yet.A lawsuit is a claim, not a verdict. No one can take money from your wages or your bank account until there is a judgment and a further court order after it.Ind. Trial Rule 69(E)

A plain denial is enough to start.Indiana lets you deny the claims in ordinary words. If you don't know whether something is true, saying so counts as a denial.Trial Rule 8(B)

Silence is treated as agreement.Whatever you don't deny, the court takes as admitted. That is the whole reason an Answer matters.Trial Rule 8(D)

They carry the proof, not you.You are not required to prove you don't owe it. The plaintiff must prove that you do, with records, and the Answer demands them.Trial Rules 8(B), 8(C)

Old debt has a time limit.Most consumer debt cannot be sued on more than six years after the last payment or default. A lawsuit filed after that can be defended on that ground alone.IC 34-11-2-7, 34-11-2-9

Your paycheck has a floor.Even after a judgment, garnishment is capped at a quarter of take-home pay, never touches the first $217.50 a week, and a judge can lower it to a tenth for good cause.IC 24-4.5-5-105

Some money and property can't be touched.Social Security, SSI, veterans' and disability benefits are protected by federal law wherever they're deposited, and Indiana exempts part of a home's equity and other property from collection on a judgment.42 U.S.C. §407 · 38 U.S.C. §5301 · IC 34-55-10-2

Collectors have rules too.Federal law bars false statements, threats, and calls before 8 am or after 9 pm, and gives you 30 days from a collector's first notice to demand proof in writing.15 U.S.C. §1692c, e, g

Bad service is a defense.If the papers never properly reached you, you can say so, and the case can be dismissed on that alone.Trial Rules 8(C), 12(B)(5)

They paid pennies for this.The Federal Trade Commission's study of the industry found debt buyers paid about 4 cents per dollar of face value, and that sellers limited what account documents buyers could get afterwards.FTC, 2013

This is information about how Indiana's rules work, in plain English. It is not advice about what you should do in your case. We prepare the documents you choose to file, and we'll tell you when we think a lawyer should look at yours.

Chapter five

What we prepare, and how it works.

Text us your cause numberWe confirm the case in the public record and text you back, usually the same day.

We read your court recordCourt, cause number, plaintiff, service, deadline. Then we ask you the few questions only you can answer.

You review and sign on your phoneEverything is prepared for your case. Sign it with your finger. No printer needed.

You file it, freeE-file through the state's own system, or hand it to the clerk. 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 Answer from our builder, for a fictitious defendant. Yours carries your court, your cause number, and the choices you make.

$149flat, for the whole package

Appearance formThe state's own form every self-represented party must file, filled in for your court and cause number.
Written Answer, with certificate of serviceResponds to each claim in the complaint and requires the collector to prove it owns your debt and that the amount is right.
Notice for 30 more daysIndiana lets you take one automatic extension by filing a notice in time. It's in the package, ready, if you need it.
Filing instructionsE-file or hand it in, step by step. Filing an Answer costs you nothing at the courthouse.
What happens nextWhat the collector may do in the following weeks, and what each notice means.
A real person by text and emailUntil it's filed, and after.

No printer? Sign it on your phone, free. 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.

An open cream folder with documents fanned out on limestone, the top one carrying a blank embossed seal — Indiana courts are built for people representing themselves. We make sure the paperwork is right.

Chapter six

Who we are — and who we aren't.

MyCivilHelp is a document preparation service run by 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.

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. Garnishment can follow. This is the outcome in most of these cases — it's what the collector's business model counts on.

Hire an attorney$1,000+The strongest option if your case is large or complicated — and we'll tell you when we think it is.

Online form generator$0–$67You answer a questionnaire and software fills a template. Reading the record and getting the details right are on you.

Do it yourselfFreeAbsolutely possible. Indiana has no official Answer form, so you draft the pleading. indianalegalhelp.org has 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.

Worried this is a scam? Good. Check.

A text about a lawsuit from a company you've never heard of should make you suspicious. Here is how to check us against records we don't control.

The company is on the public recordMyCivilHelp is the Indiana service of Tx Civil Help Inc, a Texas corporation, Secretary of State file no. 806499657. Search "Tx Civil Help" on the Texas Comptroller's site.

A named owner you can look upUma Maheshwar Reddy Thipparthi founded Tx Civil Help in 2025 and runs it today. His profile on LinkedIn. The Texas service is at txcivilhelp.com.

Your case is on the state's siteWe only know what the court published. Type your cause number in chapter one, then check the same number yourself on mycase.in.gov.

Payment goes through StripeCard details never come to us. The receipt says Tx Civil Help Inc, and the charge is $149, once. No subscription, nothing automatic.

What we will never ask forYour Social Security number, your bank login, or a card number by text or email. We don't phone you. Our texts come from (888) 396-7107 and our email from [email protected]; anything else isn't us.

How did you know I was sued?

Indiana court filings are public record from the day they're filed. We read the public civil collection docket — the same record you can search yourself at mycase.in.gov, which is exactly why we hand you the cause 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. Your 20 days don't start until you're served, so you can have the response ready and file it the moment the clock starts.

Is $149 really the whole price?

Yes. Filing an Answer as a defendant costs nothing at the courthouse, and Indiana's e-filing service is free for self-represented parties. No hourly billing, no charge for questions.

What if I actually owe the money?

Plenty of people do, and filing an Answer is still worth it. An Answer doesn't claim you owe nothing — it requires the plaintiff to prove its case: that it actually owns your debt, and that the amount is right. Debt buyers purchase accounts in bulk and the paperwork is often thin.

It also keeps you in the conversation. A defendant who shows up can discuss the case; a default judgment is simply entered against you.

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

Not necessarily. Indiana Trial Rule 60(B) lets a person ask the court to set a judgment aside in certain situations, for example when the papers never properly reached you, within time limits that depend on the reason (one year for most of them). Whether that applies to you depends on the record. Text us the cause number and we'll tell you what the docket shows and what the options are, at no charge.

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 a real person at [email protected] or by text at (888) 396-7107. Texas is where we started; Indiana is where we work next.

Sued by a debt collector in Indiana? The clock is already running.

Is this real?

Decode your cause number

How long do you actually have?

What silence costs.

Doing nothing vs. answering

What the law gives you.

The collector's job

Your job

What we prepare, and how it works.

Who we are — and who we aren't.

Worried this is a scam? Good. Check.

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