Quote Quoting WhatleyUGA1
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My question involves collection proceedings in the State of Georgia...

I received a phone call today about an account that I supposly opened in 2012. They say it was a bank account and that I owe $800. Because of a bank overdraft. Now I know better to overdraft an account $800. They said they have tried to send me a letter that I have to sign for. They also said they have tried to contact me multiple times but, I have yet to receive a letter from them. Or phone calls till today! The lady said that she is calling to try and settle this outside of court. She also said that if I don’t settle with them. Then it will be taken to court. I have checked my credit report and the bank they are saying is not on my credit report. So my question is what do I do?? I don’t wanna go to court. But I don’t wanna pay $800 if I don’t have too. My mother said if they are going to take me to court then they have to serve me with papers. She also told me if they sent me a certified letter and no one was here to sign for it. The mail lady would of left me a piece of paper saying I had a letter at the post office. I haven’t received one of those either. So what’s yalls opinions I’m also a 25 year old kid.
If you do not remember opening and then defaulting on a bank account then you should ignore the situation until you actually get served with paperwork. The fact that nothing is showing on your credit report tends to indicate that it might not be your debt.