Your question is not clear. It sounds like you need a local attorney. You say the collections attorney is trying to sue you, but then you ask about mtc and discovery. So, you are being sued? If so, then you should definitely avail yourself of discovery. Ask for documents to support the contract. If they are just threatening suit, ask them for the documents and tell them that you will be entitled to them if they sue, so they can save time and expense by giving them to you now.