I'm just starting my reasearch here and would welcome any thoughts or advice on how to proceed. I was just served yesterday so I haven't filed an answer. The complaint consists of 6 paragraphs with a single exhibit. I see most people talk of affidavits, statements, bill of sale included with complaint, but I received nothing like that so this is all still a bit confusing to me. Back to studying bmc100's sticky... 1. Who is the named plaintiff in the suit? LVNV Funding, LLC 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Weltman, Weinberg and Reis Co., LPA 3. How much are you being sued for? $637 4. Who is the original creditor? (if not the Plaintiff) HSBC 5. How do you know you are being sued? (You were served, right?) Served September 13 6. How were you served? (Mail, In person, Notice on door) Served in person at home 7. Was the service legal as required by your state? Yes 8. What was your correspondence (if any) with the people suing you before you think you were being sued? None 9. What state and county do you live in? Michigan, Jackson 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) 2010 11. What is the SOL on the debt? MI 6 years 12. What is the status of your case? Summons and Complaint just served yesterday 13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No 14. Did you request debt validation before the suit was filed? No 15. How long do you have to respond to the suit? 21 days 16. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. 6 page copy of a card agreement brochure(Exhibit A), nothing else.