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CCJ Help

Hi all, im really scared :( we have been on a debt management for 2 years now & MBNA have been really good but i have just got a letter saying the credit agreement has been cancelled and they are deciding what action to take. I am so worried about getting a CCJ :( does anyone know that if you do get a summons do you get the option to pay the amount in full before it goes to the court? Not that we can raise the money but i think if it got to that stage my OH parents might offer to pay for it if we asked but this is a last resort.

Im just so worried about it x
"Knowledge is knowing that a tomato is a fruit, but Wisdom is knowing not to put it in a fruit salad."

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