being sued 4 debt I cant verify? help!

First you ust reply to the summons or they will win a default verdict. Secondly, what is the state you are in so that we can check the statite of limitations in that state. If this debt is past the SOL then they can sue you all thney want but will not win...unless you do not answer the summons. Is there any chance that you have the proof you paid off this card? If the original creditor is not showing on your report (on either the positive or negative side) two things could be going on here. A. The debt is past 7 years old and has "fallen" off your report or B. you did in fact pay off this card. Let us know the state so that we can begin there.

The Statute of Limitation in MI is 6 years and so I think that the SOL must have expired by now. However, since you have already received a summon from the court, you should immediately file a response to the summon within 30 days of the date of receipt of the summon else the collection agency can bring a default judgment against you to recover the debt. To reply to the summon, you need to visit the court which has issued the summon and contact the clerks office from where you can get the format for filing the response.

Yes, Carol is right. After filing the response to the summon, you can send a debt validation letter by certified post to be sure whether the collection agency is actually authorized to collect the debt or not. If before the court date the collection agency validates the debt, then try to settle it outside the court by coming to a repayment plan because if there is a judgment against you, your credit score may fall by 100 points. However, if they cannot validate the debt within 30 days from the date they receive your letter, then the judgment can go in your favor.