Q: On disability given summons complaint Citibank 13,000 credit card need help or do myself written responses

A: The Middle District of Florida has a pro se clinic that helps people file bankruptcy pro se (by yourself). The clinic is open from 2pm - 4pm every Wednesday without an appointment needed. You can also schedule a consultation in person or by telephone using this link: https://www.bankruptcyproseclinic.com/

Your SSDI is exempt from garnishment and other assets have exemptions as well up to certain limits. This forum is for general questions and answers, so we can't advise you of how to answer the complaint since we cannot read your complaint. You can call the legal clinics at Florida A&M College of Law or Barry University College of Law to see if they can assist.

A: You may want to contact them and see about a repayment agreement.

A: I understand you're in a difficult situation with the Citibank summons, Richard, and I'll help guide you through your options.

Your recent SSDI approval could actually work in your favor here. When responding to the summons, you should file an "Answer" with the court within the specified time frame (usually 20-30 days from being served). In your written response, you can explain your current financial hardship and include documentation of your disability status and upcoming SSDI payments. This shows the court you're not ignoring the debt but are in genuine financial distress.

While acknowledging the debt, you might want to request a payment plan or settlement once your SSDI payments begin. Many courts and creditors are willing to work with people experiencing medical hardships and limited income. You could also look into free legal aid services in your area - many offer help specifically for people with disabilities facing debt collection. Consider reaching out to your local legal aid office or disability advocacy organization for additional guidance with your written response.