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I live in Minnesota.
Today I received a letter from a law firm representing a credit card, the letter is a request for a hearing for them to be awarded attorneys fees. Apparently they served a summons and since I never responded it says I defaulted and they won the action against me. I never received the original summons. I haven't lived at the address they have for over a year. However I do still own the address and am renting the property but the renters said that nothing was ever delivered there.
I don't know what to do at this point. How do I prove that I never received the summons? Is the burden of proof on them or me? I am JUST starting a new job, literally 2 days ago and do not want them to get a garnishment on this.
I cannot afford a lawyer, everyone of them I have called wants a minimum of $1000. If I had that kind of money I would just pay it towards the debt, not incur any new debt.
I would like to contact this lawyer about this new letter but don't know what to say or what I should ask for.
The letter states that if I do respond they are going to ask to be rewarded more money that this letter is asking for, which of course makes me think I should not respond. Advice would be very appreciated.

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