"tenancy by the entirety" to protect property
I have been served a civil summons for a debit. The summons does NOT have a court date, only an answer sheet. I have 30 days to respond to the summons with my answers, If I fail to do so then thay will apply to the court for relief (a judgement).
My question is, since they have not applied to the court for relief yet (have not applied for a judgement yet), do I still have time to protect my real property via "tenancy by the entirety" ?
My state is NC and they have Tenancy by the entirety laws. However im unsure if it is too late to do so.
And I have a follow up question: If I answer the summons, and me and the creditor reach a payment arangement, what happends with the civil summons? Would the civil summons be droped, or would it carry over until the debit is paid in full?
thanks for your time!