I would consider looking into the lawyer referral network of the Sacramento County Bar Association or the Volunteer Legal Services Program in Sacramento to help you with this issue. You will need to provide more facts regarding the circumstances surrounding this collections case.
Please be advised that my responses to questions on Avvo are meant for informational purposes ONLY and do not create any type of attorney-client relationship or preserve any rights and statutes relating to the individual claim.
You should contact the Community Legal Services Program at McGeorge School of Law in Sacramento. If you qualify financially they will provide free legal representation by law students who are supervised by lawyers/professors. If they can't help you, ask for a referral to someone who can. Good luck.
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