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Got a summons, not sure what to do

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This debt originally began bout 4 years ago, had a bum roommate and had to put some stuff on a CC, $300 or so has now turned into $881, bounced through several agencies, and now yesterday I got the court papers for the $811. Should I try and get ahold of the agency? I certainly don't have the money for an attorney and that would probobly cost as much as the debt.

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