OK, Quick update - I called to find out more about this claim. The company is called Global and is the pre-legal department for Capt. One. He states that written notice of this account leading to the lawsuit was sent to me on Fri. (11/9) the same day as he called me.

I told him that I haven't received anything as today (Mon 11/12) is also a holiday and all the postoffices are closed. He was able to tell me what the outstanding balance was on the account and the creditors that hold the balance.

He explained that he was the last stop for being able to do some sort of settlement for the account. He also went on to state that they wouldn't accept anything less than 85% of the outstanding debt. I told him that I didn't have that kind of money or else I would have already contacted them to settle the account. Duh.

Anyways, he started getting bullying and stated that I could find a way to come up with the money and that my husband should help pay it off. (This is my own account and has nothing to do with him. Used for business expenses and is an unseccured credit card. Husband's name isn't linked to the card at all.)
When I told him that no one is able to help me out and that if the legal actions were to pursue, they wouldn't be able to get anything from me as I don't own any assets.

He kept accussing me of falsifying the debt and that am refusing to pay when I have the means to pay. (Meaning my husband can help pay off the debt with his money.)
He then proceeded to tell me that he would be calling my husband and have him help pay off the debt. I kept repeating to him that my husband has no link/responsibility for this account and that he has no right to call my husband and demand payment.

He continued to state that he would be calling my husband and that I was refusing to deal with this account. Which I promptly denied - as I did explain that I was willing to set up some sort of installment payoff but I don't have any lump sum amount that I can pay off now. The CA/lawyer? then stated that the only way that a creditor would even consider an installment payoff was if the account was in good standing, which I know is a bunch of bull as I have worked things out with 2 other creditors and the accounts had to get to the point of missing 4-5 payments before they even considered a payoff plan.

So now my question is - I am sure they will go ahead with legal action, but am I correct in thinking that they have no right to involve my husband with this mess I've gotten myself into?

Thanks again for your help.