Maria stood outside her apartment, where she lived with her three young
children, scanning the packet of papers just handed to her by the process server. Although each page was littered with words and phrases she did not understand, the few she did comprehend made it clear that she was being sued by her credit card company. Maria had never been sued before nor had she ever heard of the Maricopa County Justice Court. But more importantly, this lawsuit was unexpected. Maria made most of her minimum payments, and she thought the credit card company had agreed to defer her missed payments when she spoke with them over the phone a few months earlier.