I have been served 2 summons, Nov.21,2011 by the S

I have been served 2 summons, Nov.21,2011 by the Sheriffs Dept. The complaint for money due on both summons was filed, Oct 24 2011 and Nov. 7 2011. The agency pursuing this claim is Farrell and Seldin for Capitol One Bank. They have also attached an Affadavit stating my acct. #'s and amts. plus interest, plus attorney fees, etc. What is the first thing I must do to respond to this summons, no court date registered with district court yet.

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