What could this be about and how bad is it?

I Need To Know How Bad Is It With A Civil Court Note? What Do I Need To Do? I Think It Is About Credit Cards?

Do you have a specific question?

It is not bad at all, you go to court, prove you don't owe the money, or they prove you owe the money.

If they win, they can attach your bank accounts to get their money or garnish your wages in most places. So in no time you have them all paid back, it is very easy, you don't even have to show up, and they just win and they have to do all the paper work,

So easy you don't have to do anything but just be without 25 percent of your pay and have no bank accounts.

Did you look to see who send it? I would bet is from a debt collecter for a credit card you did not pay You would know if you didn't pay your credit card and I would imagine they would have send you letters before this and called you too if this was the case then you should not have been surprised with a civil warrant