If a process server knocks on your door with a summons, or if you receive one in the mail, DO NOT IGNORE IT! You've been sued and are a defendant in a lawsuit. The documents you receive may include:
The summons will include a Statement of Claim. which states the name of the plaintiff, the creditor with account number, and the amount claimed - principal, interest, attorney fees, other fees, and costs. The hearing date and time will be noted, along with the address of the court. The name of the attorney representing the plaintiff will be listed with contact address and phone number.
Exhibits are supporting documents and may include account statements or written agreements.
Instructions from the Court
You will be advised to:
If a hearing date is inconvenient, contact the court immediately. You may be able to have it rescheduled.
If you ignore the hearing date and do not appear in court, a Default Judgment may be entered against you. Judgments may result in bank attachments, seizure of personal property, or in some states, wage garnishment.
Seek Legal Advice
If you have been sued for an auto loan deficiency, credit card debt, or other personal obligation, do not ignore the summons. Contact a qualified consumer protection attorney to discuss your options.