Procedure for this summons
Could someone help me with the procedure I should follow? Iwas served a summons by the sherriffs dept 2 days ago. My husband became terminally ill from a rare cancer in August 2006. Providian was dogging us for payments and refused to take less than what they wanted monthly, long storey short my husband passed last sept at age 44 and I am barely making it money wise and am on food stamps for the first time. I have 30 days from July 21st to answer to the complaint by filing with the clerk of said court and serve upon the plaintiffs attorney. I owe 1505.32 to providian who was purchased by LVNV Funding LLC, It says 7% prejudgement interest from aug 18th 2006 forward. It was included in a credit counseling consolidation for 2 years prior trying to pay it off until we had to stop the payments due to our situation therefore there were no purchases on it for that time. There's a plaintiffs affiadavitt of indebteness an ownership of the account included in the summons. On the pink very top page it says I have this day served garnishee by leaving a copy... I need to know exactly what my best options are here so details are needed. Im in south ga and there lawyer is in macon or middle Ga. I need some Georgia related info and forms etc. Is it possible to get legal aid for this or possibly bankruptcy as I have other debts and cannot afford a lot. I have saved a copy of the letter for the Discovery, anyone that can spell out my steps to take I will really appreciate it and any options etc. Thanks for your time muches;)