Answering a court summons in Ohio is as simple as filling out a few forms and delivering them to the court and the opposing party. The Division of Financial Institutions welcomes the opportunity to assist consumers with filing applicable financial complaints.In Ohio, for example, debt collectors generally have six years to take action against you on credit card debt. Are you in debt and have car payments? Falling behind could mean the loss of your car. You can also file a complaint with your state attorney general or consumer protection office . How a repossession affects your credit. It's possible to remove a repossession from your credit report, but you don't have many options. You can either negotiate with the lender or file a dispute.