I just received a "Summons on Complaint" letter from my local Court of Common Pleas in Ohio. I, unfortunately, did not follow up with multiple calls from a collection agency in my state who is representing Capital One for a credit card that was charged off about a year ago. The balance due is around $5,000.00. I am young and do not have any experience with this at all and kindly seek advice - what do I do next? Would there be any chance of getting this court case dropped if I contact the Collection Agency attorney directly and offer to set up monthly payments? Please help!