I defaulted on the first credit card while in college that was that was 8 years ago. The CC Company closed the account and passed it to collections. I got the first collection call in 2006 and agreed to set up a monthly payment that was directly debited from my account. For 2 months the CA continued to accept the payment but after that they stopped. I was very busy with my new job and it was long before I discovered they had stopped taking payments. Now in July 2009 I have received summons for the same debt. I am a bit confused about all this. I am currently a permanent resident of Texas where the SOL period is 4 yrs.