I received a summons to appear in small claims court in a few weeks. It is for a charge card bill I have never heard of. The credit card is called 'Credit One'. I never had a Credit One card. A collection agency is taking me to court over this bill. I checked my credit report and it is on there. On my credit report is says it was opened in November 2008 and closed/charged off in July 2009. It does not look like any payments were made. I use a check writing service to pay all my bills. I tried looking this up by the account number, thinking maybe I had a card that changed names. Nothing. I don't know who Credit One Bank is. I am being sued for a total of $1,244.03 by the collection company. This includes $350 legal fees and $894.03 for the account balance. What can I do?