You guys have some great advice and I've enjoyed reading the last year or so. Past year and a half I've been with CCCS trying to get a large amount of debt paid off ($26,000 counting this debt). Several small accounts and a couple of larger ones this one being the largest. November 2008 I started the program and during the holidays had trouble make the full payment. Two months in a row I was unable to cover the portion of the payment going to Chase. It was $200 by itself. I paid the others and tried to start back with Chase in Jan. 2009 and they notified I was off of the CCCS program. Doing great on program, all rates were lowered etc. Fast forward to current. Chase has gone to 3 CA's and had lots of violations etc. but only tried to validate with one and as soon as I did they passed it to another. Just wanting to pay something to settle this and move on! Found out I would be getting some $ I could use to settle in April this year so I've tried to ride it out. Haven't been getting calls or anything but one letter from current CA. It is a bunch of attorneys (?) operating under name of Ozark Capital Corp. I'm in AR and they have an office in Little Rock, about 140 miles from my residence. Summons and Complaint dropped at my house to my 19 y/o son yesterday. I have 20 days to answer. I know (I think) the basic format of preparing an answer as I have to answer garnishments on behalf of my employer. Send extra copy to clerk etc. have them send back a "filed marked" copy etc. Not sure if there's a fee to answer. There is not when I answer from work as the "Garnishee". Here's my goal - is it feasible and need advice through the process. I know I have to answer the summons in writing. Want to buy a few weeks throughout the pocess until it gets closer to the time I will have $ to negotiate a settlement (end of April). If I just admit to all of it, can they just get a Summary Judgment without me ever appearing, etc? Don't want that to happen. How do I avoid this and proceed trying to get them to settle? I know I want things in writing with them. Should I call first, negotiate and try to get them to send details of settlement in writing or should I send them a proposed settlement in writing. I'd like to start at about 40%. Can go up a little from that and pay in lump sum but more than that will have to make payments. They are suing for about $9700. I could say yes I owe it but I also agree there's lots of fees etc. added in that were not part of the original balance. Anyway - need help wording the answer - and should I ask for discovery to slow things down (is that filed on the same page as the Answer). The only thing attached to the Complaint is a page that says "Affadavit of Account" giving some chick's name as "the person in charge of business records for Ozark Capital" and the second statement on it states that "after all allowance of credits and offsets, _________ owes the following: $9572.02 plus int. accr _ attorney fees blah blah". I don't want to be too quick on the answer because as I said, I need time to work something else out. Is it all a waste of time or can I do this, LOL???? Thanks in advance!!