I am in constant phone contact with a collection company who supposedly bought a charged off debt I had in 2007. I received a business card taped to by door stating that a process server had a summons for me. How long do I have before I have to accept this summons? I have corresponded with the collection company asking for a copy of the original contract, etc. No reply as of today. What do I do now?

You contact the process server and allow them to serve the summons. You then submit an answer to the court of your Intent to Defend against the summons. You then send a copy of that to the plaintiff with a request for verification of the debt and their right to collect it.

You contact the process server and allow them to serve the summons. You then submit an answer to the court of your Intent to Defend against the summons. You then send a copy of that to the plaintiff with a request for verification of the debt and their right to collect it.


Thanks Scott. What happens when I have to appear in court?

If you haven't received verification of the debt by the hearing, then the first thing you do is ask for a dismisall since the plaintiff has not provided any proof of the debt.

Thanks Scott.