<human>: Can you provide a brief overview of the text?

I thought that my ex-wife had paid this off with our tax return like 4 years ago but apparently not.  This guy showing up at my door with papers is literally the first time I've heard from anyone about it in years.  I don't even know how the fuck he got into my building, this place is locked up watertight.

Assuming the debt is legitimate (it probably is, I'm guessing I just confused it with another bill collector at the time and thought that I had paid it off), what am I supposed to do?  I have no problem paying it as long as they don't insist on a lump sum right then and there, but do I really have to drive four and a half hours back to this stupid courthouse just to tell them that?  Am I going to be extra fucked if I don't show up?  If these assholes would've just called me or sent a letter I would've been perfectly happy to arrange repayment, but I haven't heard from them at all over the last 4 or 5 years and now all of the sudden I'm being summoned to a courthouse like 300 miles away at 8am on a workday.
<bot>: was served papers to show up in court over an old forgotten credit card debt to Bank of America, do I really need to drive halfway across the state over something that I'm not going to dispute anyway?*