I received a civil summons from a debt collection agency. The credit card was applied for when I wasn't old enough to support the payments. My parents at the time wanted me to do it so they can use it and stated at the time they would pay for it. My stepfather got upset with me and maxed out the credit card and then said he wasn't going to pay anymore. Now, about 7 years later they are trying to sue me for 4,000 that I don't have. What is my next step?
