1. Yeap!

2. There's no date on the summons?

3. They'll present their evidence, you'll concede, they'll get their judgment and (again it's usually at the same time) a writ of garnishment.

4. Now, actually - you've basically forced them to sue you

5. The problem is they've already incurred legal fees and you've given them no reason to believe you'd adhere to a payment plan

6. The attorney fees are basically an add-on at this point; they don't really have a reason to negotiate with you at this point.

Look at it this way. You've had at least two notifications that you owe the debt, and have - for all intents and purposes - ignored it and/or made no effort to ask for a payment plan. Medical creditors in particular are much more inclined to accept a reasonable payment plan.

Finally, don't worry too much about court. Be clean, tidy and respectful and this will likely be over in 10 minutes (if that). This is civil court and you're basically shoved in and out like cattle. You're not going to jail, you're not going to be shackled or threatened by over-zealous bailiffs. Don't sit there panicking. The commissioners hear this day in, day out.