First off I don't advocate not paying your bills. It is what it is in this case. It was an old account (still within 7 years though) I completely forgot about and next I know a few months back I get served at my doorstep for a court appearance. Yes fully admit I generally trash spam mail. I've gotten so many "TIME SENSITIVE OPEN NOW" documents that end up being nothing than cleverly disguised credit card offers. Of course it is one of those companies that collects these types of accounts by the thousands for what we all know are literal pennies on the dollar. This morning was the hearing. So after a brief introduction in court the bailiff instructs the parties to meet outside and try and reach an agreement. Settle or go to court in a nut shell. The local lawyer hired by this non-Georgia company pulls me into a side room. Now lets establish what "Evidence" they have provided: - Two statements - One buyers agreement from the main holder to the third party holder (people suing me) That is it. Conversation as follows: Lawyer: Well do you want to set up a payment plan? Me: No. Lawyer: Are you sure? Me: Can you provide a contractual agreement between myself, the primary company, and your company? Lawyer: The law says we don't need to do that. Me: I see two statements. How do I know this is accurate, where is the entire payment history? Lawyer: The law says we don't need to do that. Me: Can you even provide the contractual agreement between myself and the primary company? Lawyer: The law says we don't need to do that. Me: See you in court. I return to court room and sit down while she (lawyer) deals with another defendant there on what I am assuming is the same issue. She returns a bit after that and informs the court they are dismissing my case. What really irks me is this lawyer lied bold faced to me and knew it. Look I get it, you are a lawyer and you do lawyer things, and even these types of lawyers have a job to do, but I mean really, to just outright lie about what the law requires just left me with an egotistical (eat ****, haha I win you lose) taste in my mouth. So while laws vary by state just a heads up: 1.) Generally about 95% of people served with these lawsuits don't even show up to court. Its free money via judgments to the plaintiff. People get too scared, or think because they can't find a lawyer they shouldn't bother. When I first got the evidence packet in the summons about one hour on Google revealed they didn't have a snowball chance in hell of winning. 2.) "Prove it" Now repeat it again. "Prove it" Guess what? Repeat it a third time! "Prove it". The burden is on them to PROVE they can legally collect this money. Keep in mind they often buy these accounts by the THOUSANDS and almost never have any original documentation. I am aware they can-refile with new proof, but from what I am reading they only bother with huge debts worth pursing. This account wasn't for very much. If they want it they can earn it.