1. Who is suing you? Zarzaur & Schwartz 2. For how much? $1,167.77 3. Who is the original creditor? Capitol One 4. How do you know you are being sued? Served with a summons 5. How were you served? Were you served? In person by sherriff. 6. What was your correspondence (if any) with the people suing you before you think you were being sued? No 7. Where do you live? Alabama 8. When is the last time you paid on this account? May 2008 9. What is the status of your case (if anything has been opened)? You can find this by a) calling the court or looking it up online (many states have this information posted daily). It was filed June 19, 2009 10. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No 11. Did you request debt validation before the suit was filed? If not, don't bother doing this now. No 12. Does your summons require a response? (Look hard!) If you don't get a questionnaire with your summons, you are still probably required to answer it in writing. If you don't respond to the lawsuit notice you will lose automatically. In 99% of the cases, they will require you to answer the summons, and each point they are claiming. We need to know what the "charges" are. Please post what they are claiming. Did you receive an interrogatory (questionnaire) regarding the lawsuit? No questionnaire received. The attorney's Declaration Pursuant states that first cause of action was breach of contract, the second cause of action is money had and received and thrid cause of action account stated 13. What evidence did they send with the summons? An affadavit? A statement from the OC? Anything else they attached as exhibits? Nothing 14. What is the SOL on the debt? Alabama.... 6 I have no idea as to where to begin handling this matter. I can't afford an attorney nor do I have the lump sum. I can make monthly payments on this. I just dont know who I need to speak with in order to try to resolve the matter without going to court. Please help!! I have until Friday July 3 to respond.