Rose do not ignore the summons! They want you to do that so that they can get a default judgment against you. Fill out the paperwork and appear. State your case. The judge will decide if you can pay any or all of the debt. As someone mentioned, if you do not appear and face the issue head on any tax refund etc. can be taken and applied against the judgment against you.

You may think this is frivolous of the bank, but if they took everyone at their word, they would never recoup any money.