Greetings, I received a summons from AMEX Legal including two plaintiffs. One (FSB) is claiming an amount of $11,000 owed, and the other (Centurion) is claiming $5,000 owed. I also owe two other creditors similar amounts. I'm unemployed. I have no attachable income or own any assets such as a home or land. My car is worth $1200 according to KBB and I don't own more than $4000 in other personal property (I believe, that's the amount FL Debtors' rights allow you to exempt.) In short I believe myself to be "Judgement Proof". I understand that this does not excuse my debt. I can still get a judgment ruled against me and that this ruling can be effective for as long as 20 years. For this reason, and the fact that I want to be employed again in the future, I'm most likely going to proceed with Chapter 7. I'm posting this in the Collections forum because I need to know how to proceed with the summons from AMEX legal. I considered answering and agreeing to all the statements (I understand it's difficult to fight against original creditors). But would this effectively be the same as not replying at all and receiving a default judgement? To be honest I'd rather save the money on the filing fees and postage. Thanks. Smith.