1. I was served two copies of the paper that lists the plaintiff VS. Defendant heading and info along with a paragraph from my county clerk, " you are hereby notified that a legal action has been filed ..." At the bottom of both pages under the heading "Proof of Service," there is nothing written in the served by or served to, or date field on either sheet. Does this work in my favor at all, even to call the date I was served into question? 2. The card had a credit limit of $500.00 however the bill is nearly twice that with no itemized charges or explanation of charges aside from a charge for $32.19 for interest. SHould i address this in my response? 3. What sort of assets can they garnish? 5 year old laptop, digital camera, musical instruments, are these things they can seize?