A process server delivered a affidavit of claim papers to my house sign for by husband. I was to be sue for pass credit card debt - Bank of America $4741.04. CACH LLC a collection agency is the plaintiff. The man kept telling my husband that i need to call 1-800 no. The claim was dated Oct. 4, 2012 and then filed on Jan. 7th, 2013. I called to cancel that credit card long time ago when the company made new changes to agreement. New yearly annual fees. Was told that the card once cancel will not achieve interest or fees as long as payment on account and It can no longer be in use. So I cancel! Sure thing rates, late fees, etc. was added to acct. sky high. Called for explanation. Nothing but a breech. Not going to pay all those fees for nothing. I have 2 kids to feed.Addition info on sheet. Cach is sueing me from the state of Colorado, they purchased the acct. from original creditor or its assignee and is now the current creditor of acct. it shows attorney of associated PLC for the plaintiff. I assume this case is that its a debt buyer who hired a attorney to sue me? What are my chances of defense when everything was over the phone. Say 3-4 yrs ago.