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In general, a summons is the beginning of a legal case. It signals the issue that needs to be adjudicated (tried in court). A summons can be used in either a civil or a criminal case. When you receive a summons, pay attention to the date by which you must reply.
Read the summons and make sure you know the date you must answer by. Read the complaint carefully. Write your answer. Sign and date the answer. Make copies for the plaintiff and yourself. Mail a copy to the plaintiff. File your answer with the court by the date on the summons.
A civil summons is a serious matter. It is "notice" that you have been served with a lawsuit and that if you do not answer the summons and complaint (also served upon you at the time the summons was served) within the stated period of time, a default and default judgment could be entered against you in that matter.
Although it might be tempting to ignore a summons and complaint, ignoring a lawsuit does not make it go away. And it could result in the court awarding a money judgment against you by default. That can lead to your wages being garnished, your bank accounts attached, or your property being taken!