If you currently received a summons from your creditor and the documents didn’t include the original cycad agreement you signed then your case is off to a good begin. You can turn things around and originate your response to summons with the higher chance of winning your case if you use the fact that the summons didn’t include essential documents like the signed cycad agreement. Before you originate your response to summons, it is absolute to verify your state’s Rules of Trial procedure. A basic search on Google should suffice. Once you discovered your state’s Rules of Trial procedure’s look under Written Instrument or Pleading specific Matters section and seek for either written instrument or Pleading and Proof of written instrument. From here, you will see your local court’s requirements to be attached to the complaint. When any pleading approved these rules is founded on a written instrument, the original, or a back up of the original document but be attached or filed together with the pleading. Such instrument, whether copied in the pleadings or not, will be considered as component of the record. This signifies that in order for your creditor to sue you, they will have to attach the back up or original cycad contract. If they didn’t include the back up or original cycad contract, you can file a Motion to Dismiss in Lieu of an Answer.