Some states have a procedural tool—known as a suit on an account, a suit for an account, or a suit on a sworn account—that limits the evidence and pleading requirements for a creditor to establish its right to recovery on certain types of accounts in a lawsuit to collect a debt. These procedural tools are designed to reduce the cost of a creditor’s recovery of a debt on such accounts, and usually apply to transactions in which there is a sale upon one side and a purchase upon the other, and title to personal property passes from one to the other, creating a debtor-creditor relationship by a general course of dealing.

A sworn account is not an independent cause of action or basis for recovery, but requires the defendant to file a sworn denial of the account to avoid having the court grant judgment against the defendant early in the litigation process (summary judgment).

In Connecticut, the concept of a suit on a sworn account is not explicitly recognized as it is in some other states. Instead, creditors seeking to recover debts typically file a standard civil lawsuit. Connecticut law requires the creditor to prove the existence of the debt and the amount owed through a preponderance of the evidence. The creditor must provide the court with sufficient evidence, such as contracts, invoices, or statements, to establish the debt. The defendant has the opportunity to contest the debt by filing an answer to the lawsuit and presenting their own evidence. If the defendant fails to respond, the creditor may seek a default judgment. While Connecticut does not have a specific procedural tool like a suit on a sworn account, the state's legal process still allows creditors to recover debts through the civil court system, and defendants are required to respond appropriately to avoid a judgment against them.