I got a default notice yesterday, I got summoned last Sept., and I sent the summon to my debt settlement company, and honestly tought that I had until next year to settle it. I was mistaken, and yesterday I got a default notice. What can I do now, I found the papers and realized that inadvertently I did not answer, but I had been depositing money every month for this debt. Can I still answer to the summon or it is too late? Thank you to all!