It was 7:00 PM when the universe said, “You know what she needs? A lawsuit.”The man at my door was polite. The paperwork he handed me? Not so much. What he handed me was a summons — I’d officially been served with a credit card lawsuit, and panic set in fast. He was a process server, and he came bearing a civil lawsuit — against me, Nyla Armstrong — over an alleged credit card debt. He asked me to sign a receipt, which I now know is a critical legal step. If you’re not served properly, it could be grounds for dismissal. 💡 Before leaving, he gave me some surprisingly…