ello and good day to everyone.. I need help, i received a summons tuesday for an old credit card debt (2 yrs old).
bronson and migliaccio is the plaintiff. Im so scared i dont know what to do. please help me by answering my questions

the debt i had was 3000+ but they say its 4000+ (im thinking maybe this is from interes). i received 3 letters
from bronson and migliaccio first to say they bought the debt from the credit card company, second to, a year after, to settle, third
the summons. I never got any summary of the debts or interest from them. I called the civil court to validate the invoice
number of the summons and it was validated. they said i had to go there to give my answer... PLEASE HELP ME:

1. what do i answer?
2. should i contact bronson and migliaccio and ask for a summary of the debts?
3. can this be sttled out of court with bronson and migliaccio?

I had the debt when i was in college 2 yrs ago and i have a job now ive had it for a couple of months but i cant pay the debt of
in one payment... please please help me im so scared