Hi. I'm not a lawyer, nor am I usually a fan of eHow,
but this link has some pretty good information:
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agency-summons-court.html
All of those are good ideas, and, from what I
understand, collection agencies are usually willing to negotiate. Some money from you is better than no money
from you. I would continue trying to contact them,
make sure you get proof that they are authorized to
collect the debt, and keep records of all your written
communications with them.
Good luck!