Hi. Today I received a summons saying that I'm being sued for a credit card. I do owe the money, but I don't have the money. (If I had it I would have paid them!) So the letter says I have to either respond, resolve the issue, and/or get a lawyer within 35 days of the date on the letter. So I want to know if I respond, what should I say? Should I tell them I know I'm in debt and explain to them that I'm not currently working and I have zero dollars in my bank account? Also should I contact the law firm that the company is using to sue me? Will I still have to go to court if I respond? Will they try to make me pay that whole bill up front ?(I don't have any money!) Will they take my status as a full time student into consideration? This is so overwhelming and I don't want to screw myself over anymore than I've already done. Thanks.