An "Oral Answer Action for Money Only" is a way for a defendant in a New York City Civil Court to go to the courthouse and speak their response aloud to the clerk in a case where the plaintiff is only asking for money, so the court officially records their denials and defenses and prevents a default judgment. This process allows you to tell the court your side of the story (like that you do not owe the money, or that service was improper) without submitting a written answer.