My question involves collection proceedings in the State of: California. I was recently served a summons from a law firm representing amex stating that I owe 12,000+ . I cannot afford attorney and wish to file an Answer to the summons myself. To my understanding I should file either a General Denial form..or Answer-contact form, I am not sure which. To give a little history of this case... this debt was created by my soon to be x-wife after she walked out on our marriage over 3 years ago. At the time of our parting we verbally agreed to no longer uses any joint credit accounts..etc.. three years later I find out via this summons that I owe amex 12,000+ because the account is in my name.
Anyway, thats were things stand and I would greatly appreciate any direction or advice as to how to answer this summons and what form to use....thanks in advance...jamiej

