Too many people make matters worse for themselves when they do not respond to a summons and complaint from a creditor or collection agency. First things first. A summons & complaint does not mean that your world has come to an end. It does not automatically mean you will get a judgment placed against you and then you will be garnished.

Summons & complaints are designed to put the fear of God in people. They are designed to get people to feel helpless and hopeless. If you find yourself in fear of what is going to happen to you after you have been served with a summons & complaint that is exactly how a creditor or bill collector wants you to think.

When I have a client that has had one or more summons & complaints, I try to get to the root of their problems. If I can do that, then I can not only help instill some confidence in them, I can start to show them how to properly deal with a summons & complaint. A creditor or bill collector may not help a person faced with this problem.

If you can admit that you are in this situation, before you jump up and get the wrong advice from family, friends & co-workers or call one of those lawyers you see advertised on television, there are other practical things you may need to consider. If you go to the product tab and download your copy of My Credit is bad. I Want to Fix It Now. (Revolutionary Credit Repair). You will get more information on how to properly deal with the legal system. Once you get the correct information and apply it, you can start to turn your financial life around.