I received a settlement offer for about 1/3 of what I owed and would have accepted their terms, however, I live out of state and just use my Mother's house as my address. She just puts the mail aside for me when I return. Unfortunately, this time when I returned after several months, it was way past the date on the letter to accept their offer, so I just ignored it. Then I was served a summons to appear in court. Is it too late to take the offer made back in November? What should I do now?