Help! I just recieved a summons, hand delivered to me for past credit card debt with Capitol one. I have to appear in court on July 19th in regard to this. Is there any way I can avoid going to court? Can I call the lawyer representing Capitol One and negotiate a payment plan? I have not paid this creditor in two years and the debt is three years old. What should I do? How much are court fees? I live in Illinois.