Our series, "Take A Number," is exploring problems around the world — and the people who are trying to solve them — through the lens of a single number.
Twenty-one days. If you get sued for debt in Utah, that's how long you have to respond to a complaint in the mail.
The complaints are fine-print legalese and they're confusing. But despite that, 98.5 percent of the state's debtors try to navigate the process themselves, without any legal help. And they often end up paying more than they should.