My husband and I had an auto reposessed in 2006 and it was then sold for less that was owed on the acct. The loan was then sold to Midland Cunding LLC (which I have heard alot of bad things about) and they are sueing us for the remaining balance of $18000.00. We received a civil summons and was told by the Sheriff that we have to answer the complaint. However, we have no idea how to go about this. We did not receive any sort of answer form with the summons. We were told we have 30 days to answer. Can anyone help with this? Any advice would be greatly appreciated!! Thanks