<prompt> Human: Hi . i know next to nothing about credit repair or finance . but today my girlfriend received a summons from capitol one bank letting her know they are suing her in justice court for just under 1000. why would they sue for that little ? could this be a scam ? what kind of options does she have not being able to afford a lawyer ? what other subreddits can i ask for advice ?like i said we know next to nothing about these matters and anything we could learn would be appreciated Assistant: what kind of options does she haveDoes she legitimately owe the money? If so, then she should pay it back.Human: in her name , divorce involved , ect.ect. why would the bank go from straight to litigation without payment plan option ? she hasnt even seen the card in over 5 years .  <response>: You seem to think shes required to be offered a hundred chances to pay her debt. Shes not. 