I am from Indiana. I received a summons for credit card debt from the court saying that I need to answer the compliant in writing withen 20 days. It says that if I do not a judgement will be filed against me. It also says if i deny the demand and or have a claim for relief I need to include that in my response. This is over a credit card that my b/f had and I was a jonit on with him. He filed bankruptcy and it has been discharged so now the credit card is my responsibility. He obviously can not pay for it either hence the reason he filed bankrupt in the first place. I was never the one who made the payments on the card.. and I have not had a job since 2007. I stay at home with our daughter. Im not so much worried about my credit at this point. I just need to know what to do about this summons. I do not have any assets for them to take and I can not offer a payment at this time. What am i supposed to say in this written "letter" ? Should i deny the claim or should I just explain my story to them? Should i just let them know that I do not have a job? I cant afford an atorney either .. do I really need one? I mean i know that the debt is valid .. and I know sooner or later its going to have to be paid.. but like I said i can not pay anytime soon. I dont know what kind of judgement the judge will be able to put on me with me having no assets and no job? What exactly do I need to say in this letter? and can I just write it down and file it?? Do you think if I called the debt collection agency im being sued by and offered twenty dollars a month they would accept it?? Should I even try?