A creditor is trying to sue me and tried to serve me papers. What do I do? I have nothing.

You should immediately contact a local consumer rights attorney to discuss your situation.  Most consumer rights attorneys offer free initial consultations, and it would be wise to contact a local attorney to determine how to proceed. This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.