text:  Okay. Um, I ran up some credit card debt, couldn't pay it. And I was told by a financial advisor, just let it go. And it would go to collections. Well, one credit card company, because the amount was $3,000 decided to sue me, sent me a summons. And so they have 30 days to respond to it. However, they said I could contact the, um, the, uh, law firm and set up payments to avoid going to court.