I just got served a summons saying I am being sued by American Express Centurion Bank for $24,610.93. The paper says I have 30 days from January 7th to file a written response to be given to the plaintiff. I just received this summons today, though on the document they have it stamped as January 7th. What happens if I just ignore it? Can anything happen if I don't respond? I wasn't actually served it was left with the plumber who was working in my apt. Can wages be garnished on a credit card debt? It looks like I am being sued by a collections agency. What is the worst that can happen? I would appreciate any advise I could get regarding this.

Thank you!