A writ of summons is a document filed in Court to commence legal proceedings against you. If you do not wish to contest your creditor’s claim, you should inform his lawyers and pay the amount you owe. However, if you wish to contest the claim, the usual course of action is to respond by filing a memorandum of appearance with the Court within eight days from the time you receive writ, and inform the creditor’s lawyers, too. Once this is done, you will have 14 days to file your defence against the claim. The most important thing: Don’t ignore the Writ. Your creditor may obtain a judgement (the Court’s decision) against you should you not respond. What this means is you will have to pay your creditor for all amounts you owe, including damages.