I have just received a Summons for Credit Card Debt. I would greatly appreciate assistance in understanding the following:
"You are hereby summoned and required to serve upon the plaintiff's attorney a copy of an answer to the complaint within 28 days after summons. Your answer must be filed with the Court within 3 days after the service of a copy of the answer on the plaintiff's attorney. If you fail to appear and defend, judment by default will be rendered against you for the relief demanded in the complaint."

This is for a Cap One Credit card. Amount due $3400.00 A copy of the contract was included along with past invoice.

I received the summons n 7/9/09 while gone for the week. My time is running short.

My question... No where on this summons does is say when I am to appear before court. Or how to respond with my "answer".
Should I contact the court or the Attorney. I would like to settle out of court for a lesser amount. Please advise as how to best proceed.
Your time and consideration is greatly appreciated.
Thank you in advance,