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How to File a Lawsuit

Filing a lawsuit is a sequence of procedural steps, each with its own rules and deadlines. This guide covers choosing a court, drafting and filing a complaint, serving the defendant, and what actually happens afterwards.

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Choosing the right court

The first decision is which court can hear the case, and getting it wrong wastes both the filing fee and, sometimes, the limitation period. Small claims courts handle disputes below a state-set ceiling — commonly between 2,500 and 25,000 dollars — with simplified procedure, and in many states lawyers are restricted or barred.

State trial courts of general jurisdiction handle most larger civil claims. Federal courts have limited jurisdiction: broadly, claims arising under federal law, or disputes between citizens of different states where the amount exceeds 75,000 dollars. Venue must also be correct, which usually means where the defendant resides or where the events occurred.

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Check the limitation period before anything else

Every claim has a filing deadline set by state law and by claim type — often one to three years for injury, longer for written contracts. Claims against government bodies frequently require a formal notice within 60 to 180 days. Once the period expires the claim is normally barred whatever its merits.

The complaint, the fee and service

A complaint identifies the parties, establishes why the court has jurisdiction, sets out the facts, states the legal claims and specifies the relief sought. Courts do not require elegant drafting, but they do require enough factual content to make each claim plausible rather than merely conceivable — bare allegations that track the elements of a claim are routinely dismissed.

Filing fees typically run from about 30 to 400 dollars in state courts and are currently 405 dollars in federal district court. Fee waivers are available on a showing of inability to pay, usually by sworn application detailing income and assets.

After filing, the defendant must be formally served, which is a legal requirement rather than a courtesy. Service is generally made by a sheriff, a professional process server or another adult who is not a party, following the rules of the court. Defective service can void the case, and federal rules give 90 days from filing to complete it.

What happens after filing

The defendant responds, typically within 20 to 30 days, either by answering the allegations or by moving to dismiss. A motion to dismiss argues that even if everything alleged is true, there is no valid legal claim. Cases that survive it move into discovery: document exchange, written questions, and depositions under oath.

Discovery is normally the longest and most expensive phase, and it is where most cases settle, because it is the point at which both sides finally see the strength of the evidence. Only a small minority of civil cases filed ever reach trial.

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Representing yourself is allowed, but the rules still apply

Every litigant has the right to appear without a lawyer. Courts do not relax procedural requirements for self-represented parties, and missed deadlines or defective filings carry the same consequences. Many courts operate self-help centres that assist with forms without giving legal advice.

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Answers to the questions readers ask most about these cases and their legal options.

How much does it cost to file a lawsuit?

Court filing fees generally run from about 30 to 400 dollars in state courts, and 405 dollars in federal district court. Service of process usually adds 50 to 150 dollars. Waivers are available on a sworn showing of inability to pay. These figures cover filing only — discovery, experts and depositions are what make litigation expensive.

Can I file a lawsuit without a lawyer?

Yes. Self-represented litigants may appear in any civil court, and small claims courts are designed for it. The trade-off is that courts apply the same procedural rules regardless of representation, so missed deadlines and defective filings have the same effect as they would for a lawyer. Corporations generally cannot self-represent and must appear through counsel.

Which court should I file in?

Small claims for disputes under your state’s ceiling, commonly 2,500 to 25,000 dollars. State trial courts for larger claims. Federal court only where the claim arises under federal law or the parties are citizens of different states and the amount exceeds 75,000 dollars. Venue is usually where the defendant lives or where the events happened.

How long does a lawsuit take?

Small claims often resolve within two to six months. Ordinary civil cases in state or federal court commonly run one to three years, longer where the facts are complex or multiple parties are involved. Most cases settle during or after discovery rather than reaching trial.

What is service of process?

The formal delivery of the complaint and summons to the defendant, which is what gives the court authority over them. It must follow the court’s rules — typically by sheriff, professional process server or another non-party adult — and federal rules allow 90 days from filing. Improper service can result in dismissal.

What happens if I miss the filing deadline?

The claim is normally barred, and defendants raise limitation as an early defence. Narrow exceptions exist: the clock may be paused for minors or people lacking capacity, and discovery rules can delay accrual where an injury was not reasonably discoverable. These are exceptions rather than the norm, so the deadline is worth confirming first.