<prompt> Human: Hey guys, I would really appreciate some advice, I read through the wiki and didnt find much info related to my certain situation...Just for reference I live in Michigan...Almost 3 years ago, I opened up a credit card that I got through a department store... I was putting myself through school and working a nearly minimum wage job 40 hours awake, was getting OT a lot to try to cover rent and what not. When I got the card, it only had a 500 dollar max, so its not like its 20,000 dollar debt. I was making payments on it but eventually I started to spend more on it then I could cover with my living expenses. I eventually stopped paying it and I started to get the calls from the company, and then collectors. I pretty much said fuck it and stopped answering the calls until they eventually stopped. I moved across the state, tried to block it out of my mind, and have even had to move back in with my parents now because I just cant make ends meet. Im even working three jobs just to be able to eat and live... So, this Sunday, an old roommate from when I opened the card called me and said process servers had been to the house to serve me papers... Im so stressed out I dont know what to do. This is 4 hours away from my current place of dwelling and am so lost. Im scared they will show up at my last residence which I really dont want, or my current. Can someone PLEASE give me any advice on what to do here!? Im not trying to sound like what Ive done is justifiable, its just really hard! Im still under 25 and I feel like this is ruining my life. I regret putting myself in this situation and im stressed on how this is playing out.  <response>: They are simply trying to get the money you owe.The advice I have for you, is to pay it if you want it to go away.If you cant pay it, make sure you show up in court when they do manage to serve you. 