@Sango this is not an issue I am very familiar with and I of course am no lawyer.

But there is hope! Google to the rescue! 

I found this article detailing how to respond in 3 easy steps.

Also this one about answering a civil summons.

Hope this helps somewhat! If you need more info, just type this search term in google: "how to respond to a summons from a debt collector"

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Nicole
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