Monday, September 24, I received a civil summons concerning a credit card debt. I received three papers, two being the same copy of a summons, the other stating how much I owe the company (Capital one). The date on the summons says May 21, 2007. Is it too late to do anything about it? Also, I am fairly sure I can pay off the debt, do I have to do anything with the courts, or can I just contact the office suing me?