How do you answer a summons for a credit card debt?

First, make sure that the document you received is actually a summons to appear. A summons must contain a docket number and a court date.

Many collection agencies or collection attorneys use a summons as a scare tactic, in order to get you to pay your defaulted amount.

However, if it's an actual summons to appear, the last thing you want to do is not show up. If you don't appear, the plaintiff will get a default judgment from the court. With a judgment in their favor, they may garnish your wages or freeze your assets in order to collect on the defaulted amount.