Hi everyone. I haven't been on in awhile because of work and family emergencies keeping me very busy. Just when things start to calm down, guess what happens??? I get served, not once, but twice, within the past two weeks from my local sheriff's dept. with past due credit card companies seeking judgments against me. They are from two different companies. Both of the accounts have been delinquent for about 4 years now. I have NO idea how to handle this. The forms say that a court appearance is not necessary.