My question involves collection proceedings in the State of: Florida
I received a summons to appear in court for a pretrial conference with lawyers from a collection agency (3rd party?). They are calling this credit card debt although it was from purchasing a rain soft water system in 2000. The original paperwork i signed with rainsoft (which i do not have anymore) said the system would be finananced at 10% interest for $5,000. -- and i did not know who the lender would be. 2 months later i receive my first bill from Household services bank and the rate was 18% with a late payment already since i never received the first bill from them. Needless to say they were not understanding so i made my payments until 2005 when my husband and i moved back to nj and started a business that didn't go so well. In 2006 i moved back to FL, found a job and contacted household bank who did not have my account anymore...i had to track down the collection agency who did (and i kep in contact prior to that with household bank informing them of my situation). The collection agency arrow finanacial was rude and demanding -- they refused any means of settling the debt other than half the money in the beggining of the month and half at the end of the month (which by now the debt had somehow esculated to over 7 grand). They refused to accept any type of payment plan from me or provide me with proof of the original debt from household bank. A year later i receive a letter from a law firm demanding the same -- full payment in 30 days. Now i have a summons. The summons states credit card debt with a credit card number which this was not. So my question is what to do? Obviously i have to appear in court but i do not have any of my communications with household bank in writing or arrow financial. What will happen?

