I had a credit card with Wells Fargo. The debt is just over $2500. I had a sever illness in the family last year which resulted in a death. While going through this I couldnt afford to continue payments on the credit card. They attempted to contact me over a couple of months but due to stress in my life at the time i decided to ignore the calls. I assumed they would just turn it over to a collection agency and I would just take care of it in a year or two. (stupid line of reasoning I know and completely my fault).
Anyway, after a few months goes by I get a letter from a law firm in florida stating that they were going to file a lawsuit against me. I called and told them that I would begin to make payments in the amount of $200 a month toward the debt. They agreed but said they had to file against me anyway and that Id be getting papers to sign and send back to them along with the first payment. Well some time passed and I didnt get the papers. I called and asked where the papers were and they said theyd be sending them again. So i waited a few more weeks to no avail. So I called again. The person I had been speaking to wasnt in so I left a message.
A few more weeks goes by and I still didnt hear back from them or receive anything in the mail. Today I had a visit from a process server from orange county florida with a summons to go to court for a pretrial hearing in regards to this debt.
What exactly is happening to me and does anyone have any advice, suggestions, concerns or comments. Any and all help will be greatly appreciated.