Recieved summons - Now what?!

I haven't heard of a notice to defend but I am sure there is someone here who may be able to advise you, please keep checking back for more replies.

There are great consumer advocate attorneys at naca.net, the web site for the non-profit org. National Association of Consumer Advocates. I know a few of the Washington state attorneys, and they're great. Go to the site and use the 'find an attorney' function. Not all attorneys charge for helping with these problems. Good luck.

Thank you for your replies! I contacted someome on the NACA site! Heres hoping this turns out for the best!!

So I contacted the attys on the list... $500 just to REPLY to the summons, $1800 to file bankruptcy!

If I had that kind of money, I wouldnt be in this mess in the first place.

Im so screwed.

Here is a great website that details the civil court procedure, including all of your possible defenses:
"http://www.nedap.org/hotline/court.html"
It is for New York and so may vary in minor details with your state.

Google your local civil court for local procedures and any Forms you may need. Don't forget: File A Motion for Discovery.

ALSO, your local county civil court will have referrals to Legal Aid, where you can pay little or nothing for legal representation. That info will be at the court itself, and also on its website. You also may wish to Google any local consumer advocate blogs that may give you some great pointers for your locality.

OK, so I think I found a good guide on how to respond. Im not finding anything on FILING MOTION FOR DISCOVERY. Is there a form for that?

Did you call the court and ask them? They should be able to refer you to the proper forms for your area.

WHOA! Quick reply! No, I didnt call them yet, but I will in the morning! Thanks!

Luck of the draw!!

Every state has their own forms and many counties do too, that's why it gets a bit tricky. You can also try Googling your state court.