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Hi - my name is Kirk and I'm a Bankruptcy litigation attorney here to assist you.
If you haven't been served with any papers (summons and complaint) ordering you to appear in court, it is likely a collection ploy.
However, if you have been issued a summons and complaint to appear in court, then you need to do so to prevent a default from being entered against you.
I have received nothing by certified mail. If it wasnt certified, it most likely got tossed without even being opened unless it is a utility bill. If I go, what can they do? Can they force payment when I dont have it?
The papers would likely have been personally served on you by a process server or by certified mail.
My guess is that they want you to show up so you can serve you with process to appear in court.