[wmtrainer42]

I was presented with a summons concerning an unpaid Credit Card Balance. What is this and what should I do. They stated I have 20 days to respond.

[JudyKayTee]

I was presented with a summons concerning an unpaid Credit Card Balance. What is this and what should I do. They stated I have 20 days to respond.

Do you mean you were served with a Summons? Do you owe the money?

If you don't respond with a viable defense within 20 days a default Judgment will be taken against you.

There are a couple of defenses (such as Statute) which you can use but it depends on whether you owe the money and when you made the last payment or last used the card.

Also, what State?

This should be on its own thread, not piggybacked, and I have asked that it be moved.