My wife got a summons from a debt collector (I was named on the summons, but not served any papers). We hadn't gotten any correspondence about this debt prior to the summons. My wife called the collector to arrange a settlement. They added court costs and legal fees to the settlement amount. Then they required an immediate down payment. She agreed, and paid the down payment. Since then, we called the court and found that the collector still hasn't filed the settlement with the court. The collector refuses to send us proof of the settlement in writing, insisting that "we don't need it since it is being sent to the court". What do I do now, the court date is coming up ? Also , can they add court costs to an out-of-court settlement?