Rec 20ays summons from Am Ex attoney. Need to know what should I reply,

Do you owe what they say you owe?

Do you have a statute of limitations defense?

Do you owe what they say you owe?

Do you have a statute of limitations defense?

Yes

No

Then it doesn't look like you have much of a defense. If you don't answer they will get a default judgment. If you do they probably will get a judgment anyway. It will just take a bit longer.