Could anyone please explain the more detailed differences between an answer and an answer letter? I understand the basic differences between the two, but I'm not really sure why someone would choose to draft an answer letter instead of an answer. Is there really a reason to do it, or is it just a method used by people who don't have representation and don't know how to file a formal answer? Are there any guidelines for answer letters (do they need a caption at the top, etc?), or can you really draft a simple letter addressed to the judge and submit that as your "formal" answer?
Thank you for any insight.
ETA: For the purpose of my question, I'm assuming an "answer letter" is something you would submit to the court in lieu of filing a proper, formal answer to a complaint. Someone mentioned that to them, an answer letter is correspondence they would send pre-litigation to persuade the claimant not to pursue the matter in court. Is this what most people believe an answer letter to be? If so, I may be going down the wrong path here in a quest for an answer.
I should mention I'm not looking for this information for my own purpose. I maintain a sort of self-help community where a group of people asked me to explain answers vs. answer letters and how to "file" an answer letter, but I've found nothing online or off that even defines what an answer letter would be. The only hits on Google I found were from individuals who were representing themselves that were requesting either a sample answer letter (which doesn't exist, or at least I haven't found one, as I thought that would be a good starting point) or for help with how to submit the letter, none of which had informative answers. I'm in the same camp that thinks if you are going to forego representation, at the very least, you should do some research and learn how to correctly file a proper answer. But I'm looking for more on why someone would choose to submit an answer letter instead, what it would contain, how you would submit, that kind of thing. If anyone could point me to a resource (online or offline, books are fine) I would sincerely appreciate it!