Credit Card debt

If you have been served with summons, then you need to give an answer to it first. If the Sol period on the debt has not expired, then you are legally liable for the debt. You can settle the debt with the collection agency before the court hearing date. No, you are not obligated to other state's SOL.

I see... Thanks for the info Nandy. I think there will also be a 3rd party who would try to contact you with regard to your debt. If you want to settle it, I think you can tell what happened and agree to an amount but not the exact or current amount.

At first, you should give a reply to the court summons. As the SOL has not expired, so you are legally bound to repay the debt. You can contact with the CA out of court and request them for a debt validation letter. If they give you the proper debt validation letter, then you can negotiate with them. If it is not possible for you to settle the debt on your own, then you may get help from a reliable debt settlement company/ an attorney.

As the others have stated, you definitely need to respond to the summons and show up on your court date. However, if you've never had the opportunity to validate this debt with the CA who's suing you, you need to take that opportunity during the discovery process. Don't admit to owing anything. They have to PROVE that you owe it. They'll need to supply a few things during the case such as; the original signed contract, proof that they've purchased the debt, proof that the amounts they're trying to collect are valid and proof that they'll licensed to collect in your state.

Don't just hand over your money because you got a summons. You still have rights here. Make sure you exercise them.