I received a summons today from [a credit card] suing me over an unpaid credit card that has been in colelctions for almost 4 years...just before the Indiana Statute of Limitations. Before you judge, please realize I was young, had a traumatic experience occur, and then the interest got too high. To date I am STILL trying to recover from this event.
Anyway, the summons does not have a court date on it so I am confused. It says I must answer the complaint in writing to be filed within the court within 20 days or the judgement will be entered against me for what the plaintiff has demanded.
I don't understand how they expect me to pay this debt off considering I do not own or rent a house nor do I have a car in my name. My debt to income ratio is ridiculous.
But I digress, at the bottom of the paper it says " Return of Service of Summons" and I am not sure what that means or what they are expecting me to do. If anyone can give me options or explain to me what they need me to do, that would greatly help me figure out my next step.