Re: Summons for a Credit Card Debt (I Dont Know What to Do HELP)
Did you get a time limit to answer the summons? You need to answer in the time limit allowed. You then go to court on the date assigned.
There should have been instructions with the summons as how to answer - you just answer truthfully. (Usually you admit to the debt, deny the debt, indicate you are not sure the debt is valid - whatever the truth is)
You can call the collection agency & see if they will settle prior to going to court but they don't have to. They might settle for a lessor amount and/or set up a monthly payment plan.
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