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Probably an easy answer I am over thinking.... have been reading posts for 7hours now and still not finding a response I am comfortable in using. PRA Summons States: #1 The plaintiff is registered and licensed to do business in New Jersey and the defendant is a resident of XXXXX County and whose social security number ends in xxx-xx-x/// is subject to this court's jurisdiction. HOW DO I RESPOND? As I see it they are combining multiple statements to somehow reel me in. I DO NOT KNOW if they are registered and licensed in New jersey since they did not provide the info to substantiate. I AM a resident in this county. They are the last 3 digits in my ss BUT this is not my debt! Any ideas here? Do I state: Defendant denies the allegations contained in Paragraph 1 of the Complaint as this request calls for admission of matter defendant has denied and thus it is improper. (Doesn't seem to address their claim of licensing etc.) Am scratching my head here!!! Also as a note, am thinking to notify court that I already opted for arb with this creditor (although they will probably just be receiving notice same day of answer is due to court) and will file a MTC to private contractual arb. Any thoughts?

My Sister was served around a month ago by Wells Fargo attorney Rory W. Clark. for alleged credit card debt incurred by my father, who died on December 10, 2012. The amount is $13k I am about to try and answer the suit and also request a bill of particulars but before I do that I want to know if she was served properly. Notice to defendant reads as follows on the summons: (Sister's name), as successor trustee of the (Deceased's Name) Separate Property Living Trust dated December 7th, 2006 and DOES I through X, inclusive. The filing debt is November 27, 2013. However, the trust was changed just prior to his death. My sister and I are now listed as Co-trustees, yet I have not been sent anything or ever called by Wells Fargo. How should I answer the suit? I fear I may have run past 30 days. I need to fight this because: 1st, I have no idea if the debt is truly my fathers, and 2nd the trust does not have $13k available to pay it. Thanks in advance for advice you can provide. Leo