Yesterday he got a summons to appear in court from Providian Bancorp. He has never had an account with them. Could they have taken over Bravo? We have gotten NO correspondence from them in the 6 months he's been back home. He DID leave a forwarding address from his previous address, so if they tried to contact him by mail it would have been forwarded. Additionally, they obviously had the address here, as the summons was delivered here. Nor have we gotten any phone calls from them. Do I need a layyer? Isn't the company supposed to contact US before filing a suit? I know I am not very knowledgeble about this stuff, and don't want to make a costly mistake. Allhis other creditors offered stttlements, and we accepted and paid them. I would certainly appreciate any help you could give me. Thank you.