First of all, I want to say what a great forum this is! I'm learning a lot, thanks!
I don't even know where to begin with this agency, so I'll do my best to keep this simple.
I got a summons to appear in court back in April over an old credit card. I went to court, and the attorney asked me if I wanted to settle. I knew that the ammount they were asking was WAY off,(by at least $2,000!) so I didn't say a word. She then asked me if I felt I owed the money, I told her there was no way I owed that much money. Since it didn't get resolved that day, we got a continuance.