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How long before the trial date?

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How long before my trial date, in your estimation? I need an idea of time, so I might gather info. and make an informed decision.

I received a letter (advertisement) from an attorney, it said that a complaint had been filed against me. This was yesterday (12.12.05) I looked on our KY court filings page, and sure enough, it has my name. How long do I have until they present me with a summons? I never received a letter from anyone saying they would sue me. I am late in my payments with citibank, $8500 balance.


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