SUMMON From Collection Law Firm

Good Day po!

Question po regarding sa Summons. nakareceive kasi ako mg Summon from a Collection Law Firm, yung mga previous na tawag which was from the Bank ata sabi ko di ko inexpect na mawawalan ako ng work, which is why di ako makapagbayad sa credit card. Then after a year nareceive ulit ako ng tawag sabi ko yung current job ko is contract/project based or freelance and limited lang ang income ko kasi di naman full time yun. So re-negotiation, una okay lang sakin yung unag set-up for payment, narealize ko na di pala pwede yung set-up so I emailed yung collection officer na magsesettle ako ng payment ng certain amount and will serve as full and final payment, Walang reply sila collection, a month later nakreceive nako ng summons, nag blast email ako sa kanila informing them regarding sa sinend ko na email about the payment term. Yung kaya ko kasi bayaran is 15% lang ng credit limit ko, which I know super liit pero yun lang talaga ang laman ng savings account ko sa ibang bank. Until now nageemail ako na yun lang talaga kaya ko kaso ayaw pa nila pumayag. Wala po talagang means to pay them the full amount or kahit yung monthly kaya inooffer ko is yung saved up money ko lang talaga.

Question:
Ano gagawin after makareceive ng Summon? Pag di sumagot sa summon aside from default judgement ano po bang ibang mangyayari? How to write an answer to a summon? If kelangan sumagot, pwede bang ipadala by post mail , paano kung dumating sa court lagpas na ng due date which is 15 days from the receipt of the letter?

Thank You and hopefully masagot nyo yung tanong ko.

do you mean its summons issued by a court? you can look for samples of an Answer on the web but it will be better if you had a lawyer help you prepare it

Yes from MTC. I wish I could kaso wala ako payment for a lawyer. I am still tying to settle with with the collection law firm to a lower fee kasi yun lang talaga kaya ko and wala naman din akong properties. Kung di ko nasubmit yung Answer ko sa Summons, aside sa default judgement what else po ba ang mangyayari? Thank you.