Hopefully somebody will be able to help me out. Yesterday a summons was left on my door (I live in MA) in an attempt to collect close to 10,000 by LVNV funding (it's mine, was originally a citibank credit card). Long story short I defaulted on this card after taking a close to $35K pay cut 3 years ago and then losing my job (company went out of business) in October 2008 and remianing unemployed for 19 months. The only reason I have not filed for bankruptcy at this point is I haven't had the money to, even money for groceries can be rough sometimes.