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Good Evening everyone! I am new here, have read some of the threads and plan to be here for a good while just to educate myself if nothing else. I received paperwork in the mail today noting my Bank in the upper left hand corner with Capital One Bank vs. Myself. The Collection Agency(WWR) sent the original Subpoena for the Production of Documents to My Bank. The Date for court is Dec 30, 2015. My question is, I know this is for my bank and maybe a lawyer for the bank will be there to represent and submit all information regarding bank account but what should I be doing? I owe them $2531.00. If they would like, my bank has an option of emailing the documents instead. I am not sure of this whole process. I had been making payments for a while until a lost my job then I did not inform them, just felt I would pay when I got a new job. Can you tell me what I should be doing at this point? Is this a long process where I have time to pay it? Even worse, will this go on my credit report??? I am worried since I have been working on it for some time now. Please help, all responses appreciated.