Step one: write down the dates
Record the date and method of service. If papers were left with someone else or mailed, service may not be complete until proof of service is filed. Don't guess — calculate the deadline conservatively.
What goes in the answer
Respond to each numbered paragraph by admitting, denying, or stating you lack knowledge. Then list affirmative defenses such as lack of personal jurisdiction, statute of limitations, payment, usury, or failure to state a claim, along with any counterclaims.
Motion to dismiss as an alternative
If the complaint is defective — wrong court, improper service, time-barred, or legally insufficient — a pre-answer motion to dismiss can end or narrow the case early.