I received a summons on my door for a $5,000 debt to american express. Lawyer office is about 1 1/2 from my home... I am willing to pay the debt, do I have to show up for court? I am going to be out of town and won't be around on the court date... can I call the attorney's office and settle the debt with them? Can I set up a payment arrangement with the attorney's office? What will happen if I set up an arrangement but don't show up for court? Will they garnish wages even if I'm on a payment plan? Will they even be willing to accept a payment plan? I'M SCARED... PLEASE HELP ME!!