I am from Las Vegas, NV and I am being sued by a creditor, Midland Funding, LLC, who purchased my old debt with a credit card company, Citibank. I went through a very rough divorce in 2006, and lost 2 homes (our primary residence and a rental) in the same year through a Foreclosure. That is when I was just going through everything so chaotic, and gave up, that I just walked away from my debts, since I figured, I have nothing to lose now. Today, March 22, 2009, my boyfriend's brother called me and he said a man stopped by his house (which I have used for temporary mailing when I was in-between houses), and gave him an opened letter, stating I was being sued. He said the man took his name, but he did'nt sign for proof of receipt. First of all, they never came in a "sealed" package anymore? Where is the privacy? And the letter is stamped and dated January 15, 2009 and it stated "You have been sued. The court may decide against you without your being heard unless you respond within 20 days...If you intend to defend this lawsuit, within 20 days after this Summons is served to you, exclusive of the day of service..."
I don't know what to do. I don't know if I should file something on my own as I have no money to pay an attorney, or should I just file bankruptcy to eliminate this? I thought that I was just going to wait for a few years and it will be washed out of my credit report?
Please, someone help me!

If I was you I would call an atturney and see if they can help you out. Just with advise. Then if it came down to it I would just file bankruptcy. Just to get it over with and start fresh. Cause it will be on your report for up to 7 years. Good luck and I wish the best for you.

I cosigned with my exhusband in 03 on a car he took the car withoutmy knowledge and now it is a repo on my credit.in 2 years it will beremoved offofmy credit. My ex husband has been telling me that he has paid on it but I called and there has not been anypayment on it. The collection agency told me that they were going to take me to court if I did not pay. I am not working and funds are tight.my question is can they do that and if so will it be a judgement on his as well. And if I pay it I do not want him to get credit for it. Any body got any sugestions