I got a summons via certified mail for a credit card collection. I thought the bill was charged off by GE bank (Walmart) The last time I heard from anyone was about 6-8 months ago and they were going to send me papers to fill out for hardship. I lost my job 3 years ago and am now working making half of what I did before. It is within the sol time but I just can afford to pay it and don't want the little bit of money I make ($7.70 an hour, working 16 -24 hours a week) to be garnished or a lien put on my home. I guess my main question is, how do I answer the summons? I have 28 days from the 17th of October. The amount they are asking for is $3500, and the company is LVNV. I hear they're pretty shady. There is no court date just that I'm to answer. I can't afford a lawyer so I'm doing this on my own. Someone please help!