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When to use Insufficient Evidence instead of Deny in Answer

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I am being sued by Midland. My court form in Dakota county has listings: Admit, Deny or Insufficient Information.


Often times I see folks list to deny everything and then list they deny it with lack of info.For example: 


DENY - In response to paragraph #3, the Defendant is at this time without knowledge or information sufficient to form a belief as to the truth of the allegation contained therein, and on that basis generally and specifically denies the allegation contained therein, and leaves the Plaintiff to provide proof.


In this case since the form has lack of information as an option, would one just list everything in Insufficient info?


My county's form looks like this: 


1.                        Deny  All statements are untrue in paragraph numbers                                                                                                                                                                                                         


2.                        Admit  All statements are true in paragraph numbers                                                                                                                                                                                                     


3.                        Partially True  The information in the following paragraphs is partially true and partially false                                                                                                                            


In these partially true paragraphs, I deny everything except the following statements, which are true:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   


4.                        Insufficient Information  I don’t have enough information to know if the following paragraphs and/or  statements are true:


I need to crank this answer out today and have been completely boggled by this process. I realize this is only the beginning... Thanks for any help.

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It seems to be the standard issue complaint:


Plantiff, Midland Funding LLC, for it's complaint, states and alleges the follows:



The original creditor, HSBC Bank Nevada, N.A., issues credit acct number xxxxxxxxx9602 to defendant.



Defendant made purchases and/or recieved cash advances on the acct.



Defendant is/are in default for failing to make the required payments on the acct.



The last payment was made June 11, 2010.



The acct was charged -off by the original creditor on July 30, 2011 with a balance of $4,344.74.



The current balance is $4,344.74.



Plantiff purchased the account on May 08, 2013, and is attempting to collect on the debt.



Plantiff owns the acct and is a successor in interest to Beareaus Investment Group III, LLC, which is a successor in interest to HSBC Bank Nevada, NA (Best Buy) for this account.



Defendants address info, blah blah

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No bill of sale or anything of the like listed with the complaint. Thanks for the reply.


Now, on this form it appears one can just list the paragraph headings and that is all. I notice most folks have some language to go along with their "Deny" statement. Can I be a half a$$ and just simply list the paragraph's Denied or Admitted etc with no language? Just deny I, II, III, IV, V and leave it at that?

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