I had a car with Ford Credit. It got totalled 2 months later. I was pregnant during the accident, lost my job, and could not afford to make any car payments. I have barely become stable and found my own apartment. All my money goes straight to rent and bills. I can afford very minimal payments to Ford, but I received a court summons in the mail at work, no sheriff telling me to go to court and no return address for the notice. It said that I should respond within 30 days of my summons date October 4 however the letter was post dated November 5 and I received it November 8 (which did not allow me 30 days to respond). I don't know how to respond or who to respond to. I tried to research the case number that it gave me on the notice, but the Orange County Superior Court website does not recognize the case number. According to the letter, MacDowell & Associates are representing Ford Credit. I have heard some horrible stories about these people and I cannot afford to have my wages garnished. What are my options?