Hi, I am new here and REALLY need your help/advice. I recently received a subpoena saying that Capital One is taking me to court for payment due on a credit card that I haven't had since 2003. It had a $2,000 limit, and I believe the bill I owed was quite close to the limit. To make a long story short, my husband lost his job back then, became ill and hospitalized, I just had a baby, we had to move from our home and I just plain lost track of this. I would be happy to pay what I owed, but now they want close to $4900.
First, what do I do? Go to court...without a lawyer?