How to respond to a summon from a credit card company

If you are enrolled in a debt consolidation program check your paperwork carefully because some programs include legal defense for these sorts of suits as part of your monthly program fee.  Qhether you know if you havethat coberage or not you should forward the summons to the program account rep because even if that's not part of your program fee they will likely be able to refer you to the proper attorney to defend you.  Just don't do nothing at all because if you do not respond at all the creditor/collector could win automatically then you have a judgment on your record not just a delinquency or default.