Sued by Collection Agency
I have been served with papers to appear in court over an unpaid Chase Manhattan credit card bill from more than 5 years ago. Chase apparently sold the rights to this Visa/Mastercard Credit card bill to Bureaus Investment Group #2, LLC (which is evidenced in a Bill of Sale that was attached to the paperwork served). Now this collection agency is taking me to small claims court for lack of payment.
The civil citation says that I am commanded to appear in court in ten days.
I’ve never heard of a Collection Agency filing a suit against an individual for a situation like this. Shouldn’t I be able to contact Chase Manhattan directly to work out a scheduled payment plan with them and not with the collection agency?
Is this legal? What can I do? In addition, the total includes finance and late charges…should I be commanded to pay all of those fees as well?