Anyone ever been to court over credit cards?

I was served back in Feburary 2011 AT WORKED! I was served with a summons from a junk debt buyer. Looking to get over 7k outta me for a 2,000 credit card. I have responded to all their papers. I have repeatedly asked for a copy of the contract I have signed so I could see if it was over the SOL, but they have failed to send me a copy. I've asked over the phone and by mail and still nothing.
I've been dealing with their collector guy over the phone to get this settle outta court. I did not want a judgment against me at all!
Let me say this first...This card was opened in 2005 I live in Arizona and know the SOL is 6years but without the contract I can't use that! I've NEVER recieved anything on this card from 2005 til Feburary 2011 when I got served with a summons about it! Had I recieved anything I wouldn't be in this situation. Anyways...back to the collector guy!.
So I'm speaking with this guy back and forth over the phone. STUPID I know. Should have been mailing or emailing him but I did not know this since I've never been in this situation before. So we come to an agreement of low monthly payments do this all outta court and I want it all in writting! He sends me the papers...Looking them over and they agree to the amount and monthly payments but STILL putting a judgment against me! NO NO NO not what we discussed over the phone. So not I email em offer them same price, same monthly payments in return they don't file for a judgment unless i miss or default on an account....win win situation for them right?!?! I thought so...But found out today they denied it and are going forward with going to court. My court date in Monday 5-16-11 What can I do? I've tried working with them since Feburary and they've done nothing but mislead me in the wrong direction! Like the collector guy told me last week...."A judgment isn't the end of the world"! UGH! it is to me! Someone help me! How or what should I do at my pretrial conference! please I need help ASAP

first when you get to court ,simply say you dont remember having that card,tell the you would like to see the HARD COPY OF THE APPLACATION, because of privacy laws in those states most of the lawyers that have been assigned about 20 of those cases that same day ,"wont have that info on hand "so the judge will order that it is postponed until he gets it ,and because of the fact that most cards companys have already collected the insurance pay out and sold your debt off to a collector company for about 30 debts for at times about $5.00 the are not that interested to paying investigators to obtain that info ,and in the end they are not even interested in paying another lawyer to come out and fight you again

I have been sued, but never appeared in court. However, about a year later when I sold my home, they DID COLLECT on what was owed them. If you avoid taking care of your finances, it will surely come back around. So don't be scared...just handle your business and face the music. It's better than to have something come back around years later.

Don't know if they will actually sue for such a low amount cause they prob have bigger accounts to fry..BUT!! And here's the big BUT! If you don't figure out a solution and work with them NOW, your $600 balance will turn into a $1500 balance in the blink of an eye with accrued interest and late fees. And then you will become one of the BIGGER accounts to fry and you'll come home one day to a summons for a judgement against you. Then you have to go to court and defend yourself cause if u couldn't pay ur debt then u surely can't afford a lawyer to defend you. Or you can ignore the summons and your creditor will automatically be granted a judgment against you and then the madness begins. Liens on property, wage garnishment, frozen bank accounts, etc... Need I say more?? WORK IT OUT NOW while ur still ahead!