What do these papers mean?
Summons (form SUM-100) and Complaint
If you receive a form called a Summons (SUM-100) it means that someone is suing you in court. In addition to the Summons, you'll also receive another document, called a Complaint. The Complaint describes the details of the case against you.
This page will help you understand the Summons and Complaint if you're being sued for a debt, and describe some options for what to do next if you are being sued for debt including debt from credit cards, student loans, car loans, and medical bills
The Plaintiff will win the case and you'll have to pay the debt. This is called a default. The debt collector may be able to take the money from your wages or bank account.
Pay the debt to get the case dismissed
If you can pay off the debt now, you'll need to also ask the Plaintiff to dismiss case.
Try to negotiate a settlement
Sometimes the debt collector will agree to a payment plan or take less than the amount owed. Always get the agreement in writing. If you decide to negotiate, you may still file a response in court.
Respond and defend yourself in court
If you respond by filing papers in court, the Plaintiff will have to prove you owe the debt in a court case.