If the question asker read this... I will say that I had to sit in court for someone else's civil case. I saw over 15 (maybe more) attorneys come to court for these c.c. cases. Many of them didn't know anything beyond what was on the paper they gave to the judge. Alteast one debtor fought it in court, and the attorney walked out with that person. When the debtor came back in, he said that the attorney offered him settlement for about $500. The actual debt was well over $2,000. Question asker should file an answer and fight this; many c.c. attorneys just HOPE you won't show up.