Rubin & Rothman- Capital one

Hi...I'm being sued by R&R on behalf of capital one. I do have other bills under collections right now and I'm trying to deal with each one, one at a time...honestly I'm scared. I just graduated from school, have only a part-time job, making only enough to try and cover bills for which someone cosigned for. I can't ruin their credit. I've been reading so much negative feedback about R&R-which really makes me want to cry. I am willing to settle/pay off the debt but not with the amount they listed...my credit card was about $780, and now it's $1300 once they've gotten a hold of it. I don't know what to do. I feel trapped. I did speak with the original creditors- Cap. 1, but they won't speak to me about this. I guess I will have to call R&R, but I'm so afraid of what the outcome will be. I was sent a summons in the mail and a letter offering a discount from them the same day...which is a week ago (last friday). If I call R&R, will the summons still have an effect on me? Do I still have to appear?