![]() ![]() ![]() This will, obviously, have the effects of putting assets and income at risk of collection for the enforcement of the judgment, as well as adversely impacting upon one’s credit score. If not responded to, then the credit card company may proceed to request that the court enter a “default” judgment because the defendant failed to respond. It is very important that the Summons is not ignored. The Complaint should set forth the relevant allegations regarding the debt in order to allow for a meaningful response. The Summons must be accompanied with (a) a Notice of the nature of the lawsuit (b) an Endorsed Complaint (which is similar to the Notice, but is only permitted in certain courts) or (c) the Complaint. The Summons sets forth the name of the court in which the case has been commenced (for instance, “Civil Court of the City of New York, County of Kings”), and the Index Number and filing date. The filing of the Summons signifies that the credit card company (or its assignee) has elected to sue the account holder to recover for the debt owed on the credit card account. The filing of the Summons signifies that the credit card company (or its assignee ) has elected to sue the account holder to recover for the debt owed on the credit card account.
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