My question involves collection proceedings in the State of: CA
I have a few questions regarding my credit card debt and court summons.
1). Since collection agencies purchase non payment accounts from the creditor for pennies on the dollar, what is a reasonable amount to offer to pay to settle my debt? The summons states that I owe $2900 (I have no idea how much of that is actually from accumulated fees and interest).
2). The actual summons was left on my mother's doorstep without any verification of receipt. Is that a legitimate way of serving these types of papers?
3). Her address has not been my permanent residence since 2003. Why is she getting these papers?
4). She lives in Illinois and the summons is to a Cook County court. However, I live in California. How do I go about getting the case moved to my current state of residence?
5). I am a full-time student, with no income and supported completely by student loans. How does that figure into the repayment issue?
thanks for the help

