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I Just Received a Summons From a Really Old Debt. – Janet

“Dear Steve,

I have received a summons that I’m being sued for an old credit card I’m not even sure from how long ago the summons just list the name and an amount.The amount is 10,000 I don’t have that to pay or even a reduced amount in a lump sum. My questions are how likely is it that the recovery company will let me make reasonable payments. And should I contact them. I have been told if I contact them it is admitting to the debt. Any suggestions as how to proceed I’m in a financial bracket that I don’t qualify for legal aid but can’t afford an attorney. I would appreciate any suggestions.



Dear Janet,

If you’ve received a summons it’s now a legal matter. I think you should really listen to my interview with Jason Rapa about the validity of these old debts. See Consumer Attorney Jason Rapa Speaks Out About the Importance of Validating Debt When Sued.

It just might be best at this point to let the court know you don’t recognize this debt and would like the collection to provide proof.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

READ  How to Dispute and Ask a Debt Collector to Validate a Debt

About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • I signed up for Coadt Litagation because I was told they consolidated debt…its been about 18 months of paying them. Not only was zi served summons from court but I also am stuck with accumulated interest and late fees. I have more debt now then I did to start and think that Ihave been scammed. Can you give me advice on what I should do? The purpose of consolidating was because the debt was difficult to pay with unfortunate circumstances….it is no help at all to have amounts accumulating interest and late fees! Let alone be summons to court .

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