2) No date on the summons

4) I guess what I asking is when will I know how much the attorney's fees will be since they are not named in the complaint. The plaintiff will state the fees at court?

Thanks for the encouragement. I'm not worried about court at all, enough personal experience there, just not will lawsuits.

I guess I'm wondering if I should still talk to the creditor (collection agency) or their attorney and if any good could conceivable come of it. I believe I was on a payment plan at one point (I'd had several accounts with this medical provider) and eventually stopped paying. I see what you're saying about no reason to negotiate.

And thank again for all your info!