I learned of this from an attorney's letter soliciting me for a client with a copy of the summons which I have not been served of as yet. It is valid as I checked online using the case number. The debt is for around 16,000. I have tried to work out a deal with the collection company but they state they want it paid in full and that I could not send them payments. I do not have 16,000 to send them. I am a stay at home mom and my husband makes enough money for me to do so. I am not in default of any other bills. We pay a mortgage for our house that we live in and our newest car is a 2003. We have no other assets they can seize. I don't understand what they think they can gain by taking me to court. Any suggestions? I am terrified of going to court!