When a collection agency or junk debt buyer files a lawsuit in your county and has you served with a Summons, you are now the defendant in a credit card lawsuit. On the Summons it will list the number of days that you have to answer that lawsuit or the Summons will tell you on which date you are to appear for court.

All court systems are different so I honestly cannot tell you how long you have to answer that Summons or appear in court. It is as simple as reading the Summons which will contain all of that information. It is very important to answer your Summons within the number of days that the court allows in order to avoid a default judgment.

If you have received a Summons from a junk debt buyer or collection attorney please go to this link to find out all the help you can get to fight your lawsuit: The Defendant’s Package