In most cases, the competent court is the district court of the debtor’s domicile.

As a result of the claimant’s (creditor’s) application for a summons, the summoner serves the defendant (debtor) with a summons, requesting the defendant’s response within the time specified by the court. In its response, the defendant must indicate whether it admits to or disputes the claim.  If the defendant does not give the response within the due time or dispute the claim with justifications, the case is solved by approving the claim with a default judgement.

It is possible to avoid a bad credit record even after receiving a summons. However, in this case, the debtor must pay the debt and the legal expenses in full before the district court delivers its judgement.