Hello, I have received a summons on a complaint regarding common counts and breach of contract. There are also two causes of action: Breach of Contract and Account Stated. I reside in Orange County, California. Please help me, I'm not sure what to respond with.
Also, I'm not sure if I can take them out of the court through arbitration because they do not state when my credit card was opened so I do not which yearly agreement I can look at. However, they did say that within four years X has failed to pay X, and as of July 2011, X owes the sum of XXXXX.
In addition to this:
1) Is it still okay/safe to ask for DV even though I have been served? (It's still within 30 days within the first contact)
2) Are there any other things I should do or look at before or after I send in an answer?
3) How should I answer my summons and what should I deny/admit exactly?
4) If all goes down the drain, should I just file for bankruptcy instead?