Any ideas?

You should contact your original lender and check out if he has really filed a lawsuit against you. Sometimes, the lawfirm can be a collection agency who can collect the debts charged off by the lender. You should send them a debt validation letter and check out if they can validate the debt. If they are unable to validate the debt, then you won't be liable to pay them. In that case, you can contact your original creditor and try to settle the debt with him.

Hi!
Welcome to the forums!
Well, I think you should get help of a lawyer. He/she can help you answer the summons correctly. Attend the free counseling session. This may help you to settle the debt. The court papers might have been sent to your previous address. This is why you haven't got the papers.

Is the suit filed in your county? If not, you need to file a motion to dismiss for improper venue. Debt validation right now would be useless as they have already sued you. IF you got the case dismissed then you could send a DV, like if they did file in the wrong court you could get the DV to them before they have a chance to file properly.

You can get all the validating documentation in discovery and if they can't provide it, you can then motion to dismiss for lack of evidence.

Hello...a lawsuit really was filed against me, by asset acceptance,I saw it on the county website...I did a credit check...it says asset acceptance bought a 15K debt (about 1 year ago).....and now wants 23K....they are adding about $400 a month for fees.....seems like the trouble started, because my car is breaking down, so I applied for a car loan (with my new job info) (I got turned down for the loan) and the phone started ringing off the hook, from old creditors. after about 8 months of a few phone calls.....and then they filed the lawsuit....it is still 1 year within SOL........should I try to contact them, I didn't get any letter from them...my credit reports have where I lived 4 years ago...we still own the house..it is a rental house..they pay the rent...so we pay that mortgage.......we got behind in our house...and we can NOW make our house payment,I send in payments..and the bank mails them back to us...seems like we are rats stuck on a treadmill.....

the lawyer is local, and the collection agency is HQ in Mich...I looked..they DID file a lawsuit...and in the right county...but maybe the wrong address...

we have 6-7 other unsettled debts (ran out of money) 4 we did settle......from 3 years ago....my spouse thinks we should move to her family's house in Canada until SOL has passed....we could work for her uncle...now we live in FL...not sure SOL is 4 or 5 yrs on CR Cards....I saw both on internet....

If you do that you will need to check and see if your SOL stops upon leaving the state (country). For the current suit, you can demand the agreement/contract in discovery as well as the final statement. The contract to show that you owe the debt and that the extra amount they are charging is legal (interest and/or collection fees). The statement is to show the exact amount you owed upon closure of the account. You should also ask for something to prove they are the correct company to even be collecting.