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I received a summons last week and I need to respond, but after reading so much on this site, I still am confused and need some help, please. I am being sued for $1600 from Attorney, Robert Scott Kennard, representing National Credit Adjusters, LLC collection agency, the papers were filed in San Bernardino County Civil Court, CA on 6/10/13 and were served to my daughter in law on 8/20/13. I am disabled and my income is limited to SS benefits, so I cannot afford an attorney. 1) The most important question I have is, am I responding to the 2 page "Complaint-Contract", or to the 1 page "Cause of Action-Common Counts"? I believe I should be answering the Cause of Action because of the nature of the content, but the instructions on this site indicate to respond to the Complaint. 2) Is there a legal form I need to use to file my response or do I just type it up on regular paper? 3) I think the Statute of Limitations applies for me, but am not sure. According to my credit report, the last payment for this creditor was 6/2009. From 7/2009 on, my report shows 30, 60, 90 120, all the way to Charge Off. From what I understand, the "open Book Account" rule (which the court papers say this is) for CA is 4 years, but is that from the last purchase or the last payment? And if it's from the last payment of 6/2009 (actual date unknown) and the court papers were filed on 6/10/2013, how do I know if it's a few days shy, or a few day over the 4 year mark? 4) If I do site the Statute of Limitations, do I still deny the said charges as unclear? The papers say Sterling Jewelers, which I am assuming is Jared Jewelers, and to be honest, I have no idea what I owed them when I became disabled and had to stop paying because my income became very limited, but the amount owed to Jared on my credit report matches with the amount I am being sued for. Please if anyone can help me, I would be eternally grateful. I am very willing to provide any and all information needed for assistance. Thank you!