My question involves collection proceedings in the State of: California
Looking through a pile of mail from the last couple of weeks (I have been away from home), I spotted a pink-colored letter that has "ATTENTION: LEGAL MATTER ENCLOSED", "IMPORTANT NOTICE" atop the front in bold lettering.
Upon opening it, I see that it's not a court summons but a letter from a legal firm asking me to call, saying that I "have a limited amount of time to protect my legal rights".
It has my name on it, the name of a court at which this lawsuit was filed, and a case number.
Curious, I went to the court website and searched the case # and it returned this summary:
http://i.imgur.com/xFKNCXL.jpg
What does it mean? What should my next steps be and how soon?
Facts: -I have a couple of credit cards that I stopped paying a little over 16 months ago because I got laid off from one of my jobs.
-I cannot find any official summons from the court in the mail. If they sent any, I haven't received it.
Please help! I'm pretty scared. Thanks in advance for reading.

