Palisades LLC Trace Dillon, Esq Filed a Summons and Complaint demanding payment for a credit card balance on a credit card I have never owned. Ellenwood, New Jersey

I received a Summons and Complaint filed with the local civil court demanding payment for a credit card balance.  The bank named in the suit I have never done business with, never had a credit card with and never ever heard of before this.  For verification they attached a typed piece of  paper with my name, ss#, the bank's name, a date and an account number.  I pulled my credit report and Palisades had opened a pass-due account on my credit report dated 6/17/2009.   No where else on my credit report does it show a credit card in the name of this bank. Palisades hired an attorney out of Georgia to represent them in the SC court.  Anyone know how to fight this, I will answer the summons but I am not a lawyer and can not afford one.  Any suggestions would be greatly appreciated.

Rebecca