My question involves collection proceedings in the State of: California. Just received a summons stating that I am being sued from a debt collection agency. I do not deny the debt but I question the agency. This is what happened: I lost my job about a year and half ago and I do not receive unemployment because they cut everyone off on December 28. My brother is helping me financially trying to keep my head above water til I find a job. Now here comes the CA (Collection Agency) suing me and on the summons what I notice they claim they were assigned/transfer/purchase directly from the creditor. As I was going thru some papers I found 2 invoices each from 2 different CA prior to the CA that is suing me. The CA that is suing acquired that from the a previous CA, now why state they got directly from the original creditor? Is that normal procedure? I am fully aware that CAs often purchase the debt from other CAs.
Also I have made payments when I was collecting unemployment and a few dollars in my checking account. So when I received a notice from EDD that all would be cut off on December 28, I knew the worse was coming due to how am I going to survive with no money coming in? So I called the CA and I explained to them and offered $25.00 a month until I can get back on my feet again. Well guess what = DENIED, not just once but twice.
Now that I received the summons I called the CA again to see if I can arrange another payment. Again I asked for $25.00 a month to pay = ACCEPTED. I asked the rep twice in the "legal department" why was I refused previously since that is all I'm asking. She refused to answer my question but she did say that she can't refuse my money. Huh? So when we both agree upon the amount I requested a written statement regarding the agreement - DENIED. She stated that they can't do that. I asked her why not I'm simply want a written statement regarding our agreement. Again she said she can't. o brother. Also the amount owed would have been lower too had they accepted my offer back then. I would just like opinions on this.

