This sounds like a scam.  There isn't any loan and there isn't any court appearance because your wife was never served with a summons and complaint (the complaint is the lawsuit attached to the summons).  If your wife had been served with the summons and complaint, she would have to file an answer to the complaint with the court and serve it by mail on the opposing party. It would be advisable to contact the police and the telephone company about this scam.