I received a summons from a debt collector (not the original creditor) for credit card debt charged off in 2007. There is no court date, but I need to respond to the summons in writing within 20 days. The plaintiff submitted Bills of Sale between itself and the previous owner of the debt (another collection agency), as well as the previous owner of the debt and original creditor; a cardmemmber agreement (with no signature); a statement (with account number blacked out); and an Affidavit of Debt with incorrect information (last payment made on specific date, which is inaccurate). The Affidavit of Debt does list date of charge off Dec. 2007, which is past the statute of limitations in IN, from what I understand. How should I respond to the summons - request a signed agreement or claim SOL?