A collection company has filed a motion for summary judgement against me. The original bank refused to set up a repayment plan, because I could not afford what they wanted as a minimum. I lost my job when a major company in my area went under. The bank sold the debt to a collection agency who is now suing me for about $3,000.00 more then original debt. Does a collection company have the same rights as the original lender? Do I have any rights if I tried to work out a solution, but they refused?