It does seem to be legit. This is a law firm that says it is representing Barclays Bank, the original issuer of the credit card. (Juniper financial.)

I talked to the clerk at the court. She told me that the court has a packet I can fill out. Also, the court has paralegals who will help me fill out the paperwork.

From what I've read, I could just ignore it. Still, I might go to the court and fill out the paperwork.

I also looked up the law firm. Apparently, this law firm specializes in helping out creditors to go after unpaid debt. So I am guessing that they do know what they are doing. My income is "exempt" and can't be touched by them. I guess they go after a bunch of debtors at a time, figuring that out of the bunch will be some with assets and/or income that they can go after.

Most creditors don't do this. I guess people should beware of Barclays Bank. I read about others on-line who complained about Juniper Financial (Barclays Bank.) This bank has a history of being investigated for shady dealings. But it is big and powerful. It bought out Lehman Brothers back in 2008.