I am being sued by Asset Acceptance and I live in NY

To anyone who can help:
I received a summons to appear in civil court here in Queens County NY from A. A LLC Here in NYC the SOL is six years for a consumer credit transaction and for a store credit card its 4 years. My credit is already pretty wrecked so I'm really not all that concerned about that. I am concerned about this company being able to make any liens against my bank account and garnishing my wages. I have to prepare a response to submit to the clerk of the court in the next few days. Any help that anyone can give in assisting when be greatly appreciated.

When was the date of your last payment??

As far as I can understand, if they get a judgment against you from the court, then they will be able to garnish your wages or your bank account. As far as the summons is concerned, I will suggest you to contact an attorney and he will help you in drafting a reply to that summons. If you don't give a reply to the summons, they will get a default judgment against you.

Savion....why are you suggesting an attorney at this point? You dont know the facts. Even if the summons is answered, they can STILL get a judgement against him....plus he is out the $200-$500 to the attorney for writing a letter that HE probably could have written himself if he read the rules for civil procedure.

Unless you have a constructive answer, DONT GIVE OUT ADVISE!!!

The last payment I made was in 2007