Re: Being Sued by Credit Card Company
You need to answer the summons in the time limit allowed or they will get a default judgment against you. There should have been instructions with the summons as how to answer. If you have a defense, be sure to include that in your answer. The court clerk will normally help you with how to answer a summons (give you general instructions) but they cannot tell you what to include in it or give you any legal advice.
You can call the lawyer for 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. If they are willing to settle or set up a payment plan, be sure to get any agreement in writing.
Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around.