I live in western New York. I received a court summons for an old credit card debit. I tried to make a deal with them but they want it all. I'm due to go to court on the 28th this month. What do I expect? What will happen? I read earlier that I should offer them them money (which they will decline) and get it in writing which will help me in court. The debit is for $3,200. This is my last debit I owe, I paid off the other three. Any advise? Please help.