[nycyoneda]

Hi, the other day someonecame to my house and gave me a summons letter from a credit card that went default on me,the summons letter is from my local county in the state of New York were I currently live.. Reads like this:

You are hereby summoned to answer the complaint in this action and to serve a copy of your, or, if the complaint is not served with this summons, to serve a notice of appearance, on the plaintiffs attorney within 20 days after the service of this summons, exclusive of the day of service (or within 30 days after the service is complete if this summons is not personally deliverded to you within the state of new york) and in case of your failure to appear or answer, judgment will be taken against you by default for the vrelief demanded in the complaint, together with the cost of this action.

Then the law firms name appears at the bottom of the page...

Any advise won how to answer this letter would be really apreciated greatly!! Attempt to collect a debt from a credit card that I was using and fell behind on my payments total is $1,500


There is no court date on this letter and the letter says that The basis of the venue is defendants residence...

I am unemployed now, My checking account has a negative balance, I have no health insurance and I have no assets, no car, The home that I live in is not my home My soul, nothing.. What can they take from me? My soul?

Do I just ride them a letter questioning the validity of this debt to there PO Box Address, do I write to the supreme court with my intent to defend this matter?

Thank you in advance!!