Hi my name is Melissa and I live in Texas. I am being sued by Ozark Capital Corporation who has purchased my an old debt from Citibank. I opened this account when I was an undergraduate back in 1998 or so. The account stayed overdue because they wouldn't work with me and accept y payment arrangement. The account is so old that it is not even on my credit report anymore. I received the documents today by the legal processor. If you are not familiar with them I will give you a bit of history. I found out that they are a fraudulent company who purchases old accounts for pennies on the dollar and they basically try to screw anyone whose account happens to be in the package sold to them. Well, this attorney who works with other supposedly "attorneys" fabricate papers to appear like the real thing or they appear in court but they are 80% of the time unprepared. They are considered scumbags. The plaintif's name is Melvin Thathiah who claim he is an attorney and works with HOSTO & BUCHAN, P.L.L.C. but he is really some insurance agent according to Bud Hibbs and works hard to collect the old debt to get money. He even wants me to pay all of the court costs!! I am not paying one cent. In fact, Citifinancial Services is not on my credit report and I have heard that when the accounts are old they should fall off the report which has happened for this specific account. Does anyone have any idea about what to do here? I have 10 days to respond and I was advised to file for a motion of discovery but how do I do that. Also, I am just plain scared and I don't have the means to pay since I am a full-time graduate student. I would appreciate any response. Thank you!
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