What is the best way to answer a court summons. I have typed up a letter, taking the advice from the lady at the courthouse. Basically my situation is that I stareted a credit card account in college and it defaulted around the year 2000. I am now getting a summons that my father signed for because it came to his house and he has the same name. I understand that I accumulated this debt but also would like to get out of paying the 20,000 in interest for all of this time. How should I write the letter and let me know what to say. I know I am going to ask for verification of the debt and their right to collect on it. I also think the SOL is beyond the 5 years in Kentucky.