I received a summons in the mail. It is from a creditor in South Carolina. I was making payments on my credit card until I lost my job a few years back. I instantly contacted them, to inform them of my hardship. They were not willing to work with me. I was not able to make monthly payments and eventually stopped. I tried once again to explain, but they wanted no parts. I believe that the debt was sold off and the new creditor is trying to collect. I read online that I should send an answer of defense. What is the proper way of doing so? Also, I was wondering do I even have a case for defense? I would gladly pay them off, but I am still without a job and just dont have the money right now. Are they allowed to do this? What is the best way I can defend myself in court and gain some leniency?