I received a summons of continuing garnishment today. The law firm has citibank as the plaintiff, but all the letters say its from a debt collector. How can I tell if they are representing citibank or if they have purchased the debt. What should be the next steps I take. From these forums I gathered that I should file an intent to defend and send a letter of discovery to the law firm. Is there anything else I should do for now? Any help is greatly appreciated.

Also, what exactly is the original contract, how is that determined if u got the credit card online?