I got a 'false summons' in the mail once! It's supposed to be hand delivered by an official, not just mailed. Just wanted to mention that, because, sometimes it's all a hoax to bully and coerce. If the creditor, is specifically the one you owe, it could be legit, otherwise, people in debt, beware of the scammers!!

These business buy and sell old debts, like it's nothing. Hope all goes well. Personally, I know of no one, that has ever gone to court, over a 'credit debt'. Not to say, it doesn't happen, but ....