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Definitions:
Summons and Complaint = Legal documents that initiate a debt lawsuit. The Summons tell you that you're being sued. The Complaint (aka Petition) tells you why you're being sued.

Answer = A formal written statement in response to the plaintiff’s Complaint. In a debt lawsuit, the Answer document contains a list of responses to each allegation outlined in the Complaint, as well as a list of affirmative defenses.

Motion for Summary Judgment = A legal document that requests the judge to rule in favor of the party that filed the motion without holding a hearing or trial.

Motion to Compel Arbitration = A legal document that requests the case to be moved to arbitration. Arbitration is a private process outside of the court where the disputing parties in a legal case can present their arguments and evidence. An arbitrator, or a neutral individual, listens to both sides and renders a decision about the legal dispute. In order to compel arbitration, the credit card agreement must contain an arbitration clause.

Dismissed with Prejudice = When a case is dismissed with prejudice, the plaintiff cannot refile the same claim again in that court.

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