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  1. I really hope someone here can help me. On May 2, 2014 I was served a summons at my house. I am being sued by Hunt & Henriques, Attorneys at Law on behalf of Portfolio Recovery Associates for an old US Bank credit card debt. The amount they are suing for is $5500. The suit was filed on February 7, 2014. This debt is from back in 2009/early 2010- which I believe puts it outside the SOL for California. I don't remember making payments on it since then. I have NO way to prove that though, as I haven't banked with US Bank since 2010. This is the first time I have heard of this debt since basically forgetting about it in '09 when I was going through a divorce from my first husband. No phone calls, no mail, nothing. I know it was originally for much, much less than $5000 but I don't know how much, what was paid or when. Portfolio Recovery has my maiden name on the suit- which has changed twice since 2008. They also have an address that hasn't been mine since 2005. I believe they tracked me down because I pulled a credit report last month. (not sure if the name and address discrepancies matter much or not). Anyway, I don't know where to begin. I feel like such an amateur in all of this. I'm no idiot, but legal jargon makes my head spin! On top of it all I am 6 months pregnant and my mind is foggier than ever. I believe my first step would be to file a general denial of everything? I am trying not to stress out too much but I want to make sure I answer on time and I do everything properly. I live in California, in Sacramento County. Can someone help me with the wording? I have been trying to attach a scan of what I was served with, but the upload keeps failing. I will keep trying... there was no supporting documents at all regarding the debt. I want to respond to this ASAP. I need a very easy to follow step-by-step. I'm already feeling sick over the $400+ it's going to cost to file the response.