I recently received a summons for a credit card debt. I live in the state of Florida. I want to work this out. I have 20 days to respond to the courts and attorney firm that is heading this. what is the best way to approach this-I will respond to the court but what would be my next step. Thank you for your time. this by the way is the only acct on my credit bureau that has any negative marks. I just want to resolve this in the easiest and quickest manner..