Ok guys here is the deal, about 4 years back when i was 20 years old I went to Hair Club for Men for a Free consoltation..They then signed me up for the extreme hair care therpy don't know if thats whats it called..But they came some a supply of shampoo, hair cleanser, vitamins, and monoxidil....I used it for about 3 months and the first 2 months noticed nothing but more hair falling..So i stoped going to them.I told them it was not doin anything for me they said i was stuck..ANy how the whole deal was financed by GE Care Credit, after despute with them the sold the account to the out side collection agency which then sold it to to another...Being that is been 4 years they are now sueing me and I have gotten a summons in the mail..Guys I am really stressed out about this whole thing I"m a college student and don't know what to do..Any help.. Please...