I can't give you legal advice and it looks like part of your description of the dispute was cut off. I think you need to speak to someone who does...

Credit card collection filed complaint 12 days ago

Your time to respond starts when you are served, or perhaps more precisely, when the court thinks you have been served. If someone files a proof...

A security camera trained on your own property might provide valuable evidence, especially of the bad conduct that sometimes follows your requests...