My question involves collection proceedings in the State of: Maryland.

My car was repossessed way back in 2004, and never been served with notice of lawsuit, except the collection letters and phone calls, which stopped after about two years thereafter. Jan. 10 the district court wrote notifying me of a lawsuit for collection on the balance owed after the sale of my car by lender. I had noticed in my credit that the debt was charged off by lender one year after the repo.

Please, help if you can. I am at a loss as to what to do. To negotiate or not? Does he have the right to do this after so long?