I received a summons for an old credit card debit (I live in MI). I do owe the money, I'm not denying that. But I was told that if I answer the summons with acknowledgment that I owe the money that I will receive a judgment for it, which is fine, but my question is... is there a difference when it comes to a judgment after you have admitted the debt verses a default judgment if I don't answer? I was told by someone that it looks exactly the same on my credit report. Is it really worth the time to go to court just to receive a judgment if it has the same outcome as not answering?

Also, I wrote a letter to the atty. Offering a negation/settlement or payments (after I received the summons) is it too late to ask for them to prove the debt? Would that letter just be admittance to debt so they wouldn't have to prove it?

If you decide to actually show up and defend yourself, they will have to prove the debt is yours.

If you don't show up, they won't have to prove anything.

I'd say it's worth the time to show up and at least make them prove the case.

Check your SOL. I wouldn't admit to the debt, I would read on this boards and find out how to answer the summons.

Both judgments will appear the same on your credit report and a judgment will kill your report and remain for 7 years.

If the account is past SOL, you are not legally obligated for the debt any longer.