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

I had a Wachovia account way back when and it was overdrawn and I couldn’t pay it they closed the account and reported it to chexsystems as fraud.

Never hear anything from it, couldn’t get a bank account for a while and all the sudden I get a call saying they need to deliver certified mail I ask for what?

Guy says I owe Wachovia 1900 and they are starting litagation to sue me and criminal charge me for fraud. I say whoa whoa I never heard anything g about this can u explain he said oh u either go to Court or resolve it I ask how would I resolve it he says he can put me on a payment plan I say ok and ask for an email with the terms he says I must sign the email.

This account is from 2010. I called and said I did not like the terms he has listed on the payment and I would like to wait and review my packet to see more information.

He informs me if I do not go through with the payment it will be classified as fraud and I will be Arrested.

Help......