Hello! A couple of weeks ago, my wife was served with two separate summons regarding credit card debt from a couple of years back.  She was going through a difficult time after suffering significant pay cut, and was forced to choose between living essentials for her family, and everything else. This forum has proven to be an oasis of calm for us in a tempest of anxiety.  This is the first time that anything like this has ever happened to either of us, and quite honestly, we were shocke