The worst thing you can do is “nothing”. Many consumers falsely believe that if they aren’t formally served a Summons, the creditor cannot get a Judgment against them. In most states, “alternate service” is allowed and creditors can get a Default Judgment against you, without you ever being formally served. You are much better off to face the issue head on; ignoring it will not make it go away. Do everything you can to prevent the judgment; once they have a judgment the creditor can garnish wages, seize bank accounts, take your tax refunds, attach liens to assets, etc… not fun.