<prompt> Human: Im in a bit of a dilemma. So I got served papers today, Im being sued by a debt collector for a credit card debt. Not sure what to do in this situation since the credit card debt is from a year ago for about 800.The first thing I know I should do is answer the summons, but Im not sure if its even possible or cost effective for me to get a lawyer to help me out since its such a small debt. And to be honest Id rather not go to court over this. I have contacted the debt collector by mail to get more information on the debt using the template in the wiki a bit over two weeks ago but I have yet to receive a response. So yeah, Im not sure what I should do. Should I try negotiating a pay for delete? Is it possible to get the case dropped?Any help would be grateful and appreciated, thanks.  <response>: Just pay it. You will lose in court. 