Legal Question in Credit and Debt Law in California

The language on the official summons form, that there might be some form you can use, is misleading. Merely filling out some court form might or might not help you, and might well hurt you. Most people who aren't lawyers don't know how to respond properly to a lawsuit. If you think you have a defense to the lawsuit, consult an attorney right away. Most credit card contracts have an attorney fees clause that will pay your attorney fees if you win the case.