I beat Suttell and Hammer and this is how I did it. I am posting this in hopes that this will help anybody currently fighting these a-holes. A little history, economy crashed, lost my job couldn’t pay the bills. On or around Sept 15 2011 I was served a summons from Suttell and Hammer, the usual summons they send out to everyone. The bank card they claim I owed money to was a bank called FIA financial (I had never heard of them and the account numbers listed on the summons were not any account numbers I had ever had and there was no case number. I went online