Learn How to File a Small Claim Yourself

Understanding Small Claims Court and What It Covers

Small claims court is a court designed to handle disputes involving smaller amounts of money without requiring lawyers or extensive legal procedures. This type of court exists in all 50 states, though the dollar limits and specific rules vary by location. The purpose of small claims court is to provide a faster, less expensive way for people to resolve disagreements about money or property without going through a lengthy formal trial process.

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The monetary limits in small claims court range widely depending on where you live. As of 2024, most states set their limits between $5,000 and $25,000. For example, California allows claims up to $10,000 (or $5,000 if you're a business filing against a consumer), while New York permits claims up to $5,000 in most cases. Tennessee allows up to $25,000, and some states like South Carolina permit $7,500. These limits change periodically, so it's important to verify your state's current limit before filing.

Small claims court handles a wide variety of disputes. Common cases include disputes over unpaid rent, broken lease agreements, damage to property or belongings, unpaid loans between individuals, breach of contract over services or goods, disputes with landlords or tenants, and disagreements with small businesses over services rendered. What small claims court generally does not handle are disputes involving real estate ownership (only rental disputes), issues requiring an injunction to stop someone from doing something, cases involving child custody, or disputes that fall above the court's monetary limit.

The main advantages of small claims court include lower filing fees (typically $50 to $300 depending on the state and claim amount), faster resolution (many cases are decided within 2 to 6 months), simpler procedures that don't require a lawyer, and relaxed rules of evidence that allow you to present documents and testimony more informally. The trade-off is that you cannot appeal most small claims decisions, and if you win, you still have to collect the money yourself—the court does not automatically enforce payment.

Practical Takeaway: Before proceeding, verify your state's small claims court limit, filing fees, and which types of disputes your local court handles. Many state court websites provide this information, or you can contact your local courthouse directly by phone or visit in person to confirm whether your dispute qualifies and what the current rules are in your jurisdiction.

Preparing Your Case and Gathering Documentation

Preparing a strong case begins long before you step into the courtroom. The foundation of any small claims case is documentation. Documentation is anything that proves your version of events and supports your claim for money. This includes written contracts, text messages, emails, photographs, receipts, invoices, bank statements, credit card statements, repair estimates, medical bills, pay stubs showing lost wages, and witness statements written on paper (called affidavits).

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For a typical case involving unpaid debt, you would gather original contracts or written agreements, any written communication about the debt (emails or texts), records of payment attempts you've made, and proof of how much money is owed. For a property damage case, you would collect photographs of the damage taken from multiple angles, written estimates or receipts from repair shops, the original invoice or receipt for the damaged item showing its purchase price, and any communication about the damage with the other person. For a case involving failure to provide services, gather the original contract, documentation showing what services were supposed to be provided, photographs of any work completed (or not completed), written communication about the services, and any estimates or invoices related to the dispute.

Organize your documents in a clear, chronological order. Create copies of everything you plan to present to the court. Many courts require you to provide the judge with one copy and the other party with one copy, so having multiple sets ready is essential. Use a folder or binder and number each document. Create a simple index listing what each document is and why it's important to your case. For example: "Document 5: Email dated March 15, 2023, from defendant confirming agreement to repair roof by April 1, 2023."

Identify potential witnesses who can testify on your behalf. A witness is someone who has direct knowledge of the events in dispute. Witnesses might include people who were present when the incident occurred, professionals like contractors or mechanics who evaluated damage, or people who heard relevant conversations. In small claims court, witnesses can testify in person, though some states allow written statements (affidavits) instead. Contact potential witnesses ahead of time and confirm they are willing and able to appear in court or provide a statement. Written statements must usually be notarized, meaning they must be signed in front of an official notary public, who verifies the identity of the person making the statement.

Calculate the exact amount you are claiming. This must be a specific number, not a range. Include the original debt or damage amount plus any legitimate costs you incurred as a result (such as repair costs, replacement costs, or costs to pursue the claim). Some states allow you to add court filing fees to your claim if you win. Do not include amounts for "pain and suffering" or emotional distress in most small claims cases, as these are rarely awarded. For lost wages, calculate the number of hours you missed work multiplied by your hourly rate, but only for time directly related to the dispute (such as attending a repair meeting).

Practical Takeaway: Create a evidence checklist specific to your case. List each piece of documentation you have, organize it chronologically, make multiple copies, and create a written summary of why each document supports your claim. This organized approach makes presenting your case to the judge clearer and more convincing than a pile of loose papers.

Determining Who to Sue and Where to File

Identifying the correct defendant—the person or business you are suing—is crucial because if you name the wrong party, your case may be dismissed. In most situations, you sue the person or business directly responsible for the problem. If a contractor damaged your property, you sue the contractor. If you loaned money to a friend, you sue that friend. If a store sold you a defective product, you sue the store. However, some situations are more complex.

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If you're suing a business, you need the business's legal name. A business might operate under a name that differs from its official registered name. For example, a business might operate as "Joe's Plumbing" but be registered as "Joseph Martinez Plumbing LLC." You can find the correct legal name by checking your state's Secretary of State website, where most businesses are registered, or by looking at invoices, contracts, or receipts from that business. Filing under the wrong business name can cause delays or dismissal.

If you're suing a business owner personally rather than the business itself, you need to know whether this is appropriate in your situation. Generally, you sue the business entity unless the owner personally promised something or committed fraud. This distinction matters because it affects where the case is filed and how the defendant receives notice of the lawsuit. An attorney at your local courthouse can clarify this if you're uncertain.

Once you've identified the correct defendant, you need to determine where to file. Small claims cases must be filed in the court that has "jurisdiction," which means the court has legal authority over the dispute. The general rule is that you file in the county or district where the defendant lives or where the defendant's business is located. If you're suing over a contract or service provided in a particular location, you may file in the county where that occurred. Some states allow you to file where you live if the defendant is a business that serves customers in your area. Filing in the wrong location can result in your case being dismissed and having to start over.

Contact the courthouse in the jurisdiction where you plan to file and ask about their specific rules for small claims cases. Most courts have a small claims clerk or division that handles these cases. The clerk can tell you the correct location to file, current filing fees, what forms you need to complete, required deadlines, and how to serve the defendant (deliver legal papers to them). Many courthouse websites now provide downloadable forms and detailed filing instructions. Some courts have self-help centers that provide information to people filing without lawyers.

Practical Takeaway: Contact the courthouse in the correct county and confirm three things: the correct legal name of the defendant, that this is the correct location to file your case, and what specific forms your court requires. Write down the clerk's name and the date you called, in case you have follow-up questions. This prevents costly filing mistakes.

Completing and Filing Your Claim

The document you file to start a small claims case is called a "complaint," "claim," or "statement of claim" depending

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