Hi all. I'm hoping someone will be able to help me as I'm not exactly sure how to handle this.

I received a summons from Jerold Kaplan Law Office for Capital One. Well technically my mother received it at an address that I no longer reside at. The summons says that "If served in Arizona you shall appear and defend within 20 days after the service of the Summons and Complaint exclusive of the day of service." It also says "In order to appear and defend you must file and Answer or proper response in writing with the Clerk of this Court accompanied by the necessary filing fee within the time required and you are required to serve a copy of that Answer or response upon plaintiff's attorneys."

I've been reading the forums and I'm not sure exactly how to go about doing that. Any advice would be absolutely wonderful!

Also if I would like to settle outside of court how wise would it be to call the attorneys? From what I've read that's practically admitting to the debt and most won't take it anyway. I'd really like to get this taken care of.

Thank you all for your help!