Back last year, I sent in a small check to a collector, but realised that the the account had expired so I had my bank place a stop payment on it. A year later the account had been transferred to a new collector. I've been writing back and forth with this credit collector over an SOL credit card. They said a check was received and returned as insufficient funds. I wrote back to them and said that a payment to the account was not made, SOL still expires. Now I have received a summons. The amount is $9800. How do I answer this summons, is there a form available?
I am unemployed. Own a 95' car, and another on loan. Should I give the car I own to my wife, give her the title in case.
Should I get a lawyer? Any chance of winning?

