Delaware Code

10 Del. C. § 3901 (2026)

Affidavits of defense; judgments by default on written instruments; opening judgments

✓ current as of May 2026
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(a) In all actions upon bills, notes, bonds or other instruments of writing for the payment of money or for the recovery of book accounts, on foreign judgments, and in all actions of scire facias on recognizances, judgments or mortgages, the plaintiff may specifically require the defendant or defendants to answer any or all allegations of the complaint by an affidavit setting forth the specific nature and character of any defense and the factual basis therefor, by the specific notation upon the face of the complaint that those allegations must be answered by affidavits.

(b) If defense is to a part only of the cause of action, the defendant, or if there be more than 1, any 1 or more of them shall, in such affidavit, specify the sum which the defendant or they admits or admit to be due, and judgment shall be entered for the plaintiff at the plaintiff’s election for the sum acknowledged to be due.

(c) A defendant need not file an affidavit to answer any allegation, whether or not designated pursuant to this section, unless the plaintiff or plaintiffs files with the complaint a copy of the instrument of writing, book entries or claims, or, in case of a scire facias, a certified abstract or transcript of the judgment, mortgage or recognizance, and in case of a suit on a foreign judgment a copy of the judgment, certified to under 28 U.S.C. § 1738.

(d) If the plaintiff or plaintiffs complies with this section, and the defendant or defendants fails to respond to the designated allegations by affidavit filed with the answer or answers, the designated allegations will be deemed admitted, and default judgment may be entered thereon, in the discretion of the court and upon motion by the plaintiff.

(e) Upon any judgment under this section a stay of execution for 6 months shall be granted on security being given by the defendant for the payment of such judgment, with interest and costs, in such form as by the rules of the court are prescribed. In case of a suit by or against a corporation, the affidavit by the cashier or treasurer shall be sufficient in this section. In case of security being given as aforesaid by the defendant, the entry of such security shall have all the force and effect of a judgment, and at the expiration of the stay given, the judgment, with costs, may be collected by execution process sued out jointly or severally against the principal and surety. Any affidavit authorized under this chapter may be taken out of this State before any judge of any court of record, the mayor or chief magistrate of any city or borough, a Commissioner of Deeds for this State, or any consul or vice-consul of the United States, or before any notary public of any state or territory within the United States or of the District of Columbia. The affidavit shall be certified under the hand and official stamp or seal, or seal of the court, city or borough, as the case may be, of the person taking the same.

(f) Upon sufficient cause shown, the court may open such judgment and let the defendant into a trial, security being first given, in manner and form as provided in subsection (e) of this section, for the payment of such judgment, with interest and costs, as the plaintiff may recover in such action.

(g) In actions commenced by a capias ad respondendum, if special bail is not given at the term to which the process is returnable, the plaintiff may, at the plaintiff’s election, on the last day of the term, cause a common appearance to be entered for the defendant, and move for judgment, under this section, in like manner as if special bail had been given.

(h) The amount of a judgment by virtue of this section shall be ascertained under the order of the court, and shall not exceed the sum demanded in the complaint filed by the plaintiff.

(i) The court, in its discretion, may extend the time in which the defendant or defendants has to answer or otherwise do anything authorized by its Rules of Civil Procedure.

Code 1852, §§  2305-2308;  14 Del. Laws, c. 556, §  216 Del. Laws, c. 14218 Del. Laws, c. 223;  Code 1915, §  4169;  Code 1935, §  4648;  41 Del. Laws, c. 21042 Del. Laws, c. 15143 Del. Laws, c. 23210 Del. C. 1953, §  3901;  65 Del. Laws, c. 296, §  170 Del. Laws, c. 186, §  184 Del. Laws, c. 233, § 11
Notes of Decisions
Cited in 32 cases (12 in the last 5 years), 1969–2025 · leading case: J. A. Montgomery, Inc. v. Marks Mobile Homes, Inc., 254 A.2d 853 (Del. Super. Ct. 1969).
J. A. Montgomery, Inc. v. Marks Mobile Homes, Inc., 254 A.2d 853 (Del. Super. Ct. 1969). · cites it 3× “By so referring to and swearing to the facts set out in the answer, the affidavit stands as if said facts were actually recited in the affidavit and it is therefore sufficient.”
First Fed. Sav. & Loan Ass'n of Philadelphia v. Damnco Corp., 310 A.2d 880 (Del. Super. Ct. 1973). · cites it 2× “” Plaintiff has moved for entry of judgment on the ground that defendant has not met the requirements of 10 Del.C. § 3901. 10 Del.C. § 3901 provides that in actions upon bills, notes, bonds or other instruments of writing for the payment of money, where an affidavit of demand is…”
Franklin Nat'l Bank v. Scott, 270 A.2d 532 (Del. Super. Ct. 1970). · cites it 4× “Defendants have moved that judgment be refused notwithstanding plaintiff’s affidavit of demand, said motion being grounded on the contentions of defendants that (1) the affidavit of demand is defective since it was not executed by plaintiff’s cashier or treasurer, as required by…”
Elmwood Fed. Sav. Bank v. Forest Manor Estates, Inc., 621 A.2d 354 (Del. Super. Ct. 1992). “A further assertion by defendant is that “the documentation for the alleged principal is not attached to the complaint pursuant to 10 Del.C. § 3901(c).” § 3901(c) does not require “documentation for the alleged principal”.”
Legg v. Nationstar Mortg. LLC (Del. 2017). · cites it 5× “The complaint alleged that Legg had failed to pay monthly installments on her mortgage All allegations had to be answered by affidavit in accordance with 10 Del. C. § 3901. (3) On August 19, 2015, Legg filed an answer to the complaint.”
Doughty-McKenna Fam. Trust v. Doughty (Del. Super. Ct. 2021). · cites it 5× “On September 15, 2020, pro se Respondents Chris Doughty and Pamela Doughty filed a response to the Amended Complaint which required Respondents to answer by affidavit pursuant to 10 Del. C. § 3901. A Motion for Default Judgment was filed by the Trust due to the fact that…”
JP Morgan Chase Bank, Nat'l Ass'n v. Owens (Del. Super. Ct. 2017). · cites it 4× “In the Complaint, JP Morgan included a demand pursuant to 10 Del.C. § 3901, requiring the Defendants to answer allegations in the Complaint by affidavit.”
Bank of New York Mellon v. Robinson (Del. Super. Ct. 2019). · cites it 4× “The Complaint included a certified copy of the mortgage and demanded that Defendants answer the allegations of the Complaint by affidavit pursuant to 10 Del. C. § 3901. 2. Plaintiff now moves for Default Judgment against both Defendants for failure to comply with the…”
Lewis v. Trumark Fin. Credit Union (Del. 2017). · cites it 3× “TruMark’s complaint demanded that Lewis answer the complaint specifically by affidavit in accordance with 10 Del. C. § 3901(a).1 Lewis filed an answer to the complaint on December 19, 2011.”
AccessLex Inst. v. Walmsley (Del. Super. Ct. 2020). · cites it 3× “6 The Complaint demands that any answer be made pursuant to 10 Del. C. § 3901 (“Section 3901”).7 Ms. Walmsley answered (the “Answer”) the Complaint on September 11, 2019.”
Unbound Partners Ltd. P'ship v. Invoy Holdings Inc. (Del. Super. Ct. 2021). · cites it 3× “Unbound filed its complaint with an invocation of 10 Del. C. § 3901 right up front.18 That notation states: “all allegations .”
Unbound Partners Ltd. P'ship v. Invoy Holdings Inc. (Del. Super. Ct. 2021). · cites it 3× “Unbound filed its complaint with an invocation of 10 Del. C. § 3901 right up front.18 That notation states: “all allegations .”
— 10 Del. C. § 3901(a) — 10 cases
J. A. Montgomery, Inc. v. Marks Mobile Homes, Inc., 254 A.2d 853 (Del. Super. Ct. 1969). “By so referring to and swearing to the facts set out in the answer, the affidavit stands as if said facts were actually recited in the affidavit and it is therefore sufficient.”
Lewis v. Trumark Fin. Credit Union (Del. 2017). “TruMark’s complaint demanded that Lewis answer the complaint specifically by affidavit in accordance with 10 Del. C. § 3901(a).1 Lewis filed an answer to the complaint on December 19, 2011.”
Legg v. Nationstar Mortg. LLC (Del. 2017). “The complaint alleged that Legg had failed to pay monthly installments on her mortgage All allegations had to be answered by affidavit in accordance with 10 Del. C. § 3901. (3) On August 19, 2015, Legg filed an answer to the complaint.”
Franklin Nat'l Bank v. Scott, 270 A.2d 532 (Del. Super. Ct. 1970). “Defendants have moved that judgment be refused notwithstanding plaintiff’s affidavit of demand, said motion being grounded on the contentions of defendants that (1) the affidavit of demand is defective since it was not executed by plaintiff’s cashier or treasurer, as required by…”
Bank of Am., N.A. v. Ireland (Del. Super. Ct. 2017).
— 10 Del. C. § 3901(b) — 1 case
AccessLex Inst. v. Walmsley (Del. Super. Ct. 2020). “6 The Complaint demands that any answer be made pursuant to 10 Del. C. § 3901 (“Section 3901”).7 Ms. Walmsley answered (the “Answer”) the Complaint on September 11, 2019.”
— 10 Del. C. § 3901(c) — 2 cases
Elmwood Fed. Sav. Bank v. Forest Manor Estates, Inc., 621 A.2d 354 (Del. Super. Ct. 1992). “A further assertion by defendant is that “the documentation for the alleged principal is not attached to the complaint pursuant to 10 Del.C. § 3901(c).” § 3901(c) does not require “documentation for the alleged principal”.”
Bank of New York Mellon v. Robinson (Del. Super. Ct. 2019). “The Complaint included a certified copy of the mortgage and demanded that Defendants answer the allegations of the Complaint by affidavit pursuant to 10 Del. C. § 3901. 2. Plaintiff now moves for Default Judgment against both Defendants for failure to comply with the…”
— 10 Del. C. § 3901(d) — 3 cases
Gillette v. WSFS (Del. 2020).
Hall v. WSFS (Del. Super. Ct. 2025).
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