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  1. Hi from a newbie who luckily found this board! After reading sooo much for hours over the entire holiday weekend, I am still floundering on what to do- although I certainly have more of a clue than before I found it! I only have three days to file all of my responses, and I am certainly panicking! Here is a summary of my situation: I was summoned to court for a debt less than 5k from a JDB claiming they purchased the debt (HSB) in Mass in 2008 from an account supposedly entered in 2005. JDB requesting relief in amount of about 4300. I responded to the court & the jdb that: 1/ th