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I don't see how ignoring an official court summons would have been the correct action. Until I was summoned to court, I HAD been ignoring them. I never answered a single phone call or promised to pay them a cent prior to that day. The court appearance was my only correspondence with...

A few months ago I received a summons to appear in court due to an unpaid debt for a Capital One credit card. I made the appearance, admitted to the debt and set up a payment plan with the law firm suing me. I was never asked to sign anything. Those who admitted to their debts were simply...