State: New Mexico
Today I received a summons for an unpaid credit card debt from 2005. They state that they are an attorneys office collecting on behalf of a collection agency that bought the debt from Chase. I am to submit my "answer" to the county clerks office within 30 days from today.
I never received notification from Chase saying that they sold my debt to a collection agency. We have been receiving collection letters from two different companies/attorneys claiming that they are collecting on behalf of Arrow Financial Services. How do I determine if these are fraudulent or not? How can I do this with in the 30 days I was given to respond to the summons?
Also, I was told by the BBB that I should dispute the summons. How? What am I supposed to say in the "answer" to the summons?
I did call this "lawyers" office and asked what my options were and what kind of payment plan I would be looking at. The guy told me that he could not give me an idea of what a payment plan for a "settlement" would look like until I provided him with my income and bank account information (<--- anyone else think that is fishy besides me?) and until he spoke with his "client."
I understand that this all may be too little too late, but I would appreciate any advice. I'm 25 years old, employed, unmarried, I don't own anything (i.e. car, house, business).

