My question involves collection proceedings in the State of: California

I just received a summons for an old credit card debt which is dated in April. I received it from the neighbor. Isn't this illegal for me to only receive it now, when the court document states that I only have one month to respond?

If they are able to get the judgement, how much of my wages are they allowed to garnish?

Please respond if you have been thru this, I am shaking in my boots