I just received a civil summons for past credit card debt. The SOL is not run out. I was disabled back in Spring 2003. I filed for disability and am still waiting for a decision by our justice system. I have sent out letters to my creditors stating this fact. I guess somehow I missed sending a letter to this creditor and they have now brought this before the courts. The summons states "unless a written defense is made by you or by an attorney on your behalf....within 20 days". Is there a "sample" written statement for Kentucky that I could use to go by and submit the proper paperwork?
One further question, the complaint states "Defendant has failed and refused to pay the Plaintiff the remaining balance of its account in the amount of $X,XXX.XX, together with interest accruing thereon, as evidenced by the attached Exhibit "A". Where is this exhibit "A"? Do it not have to be attached to the summons itself?

