I was contacted today by an agency saying I was getting served to appear in court for a debt dating back to 2008. I do not remember having a credit card with the specific bank They wanted to settle for a lesser amount and wanted to send me an letter of agreement which I agreed to. I am worried that this might be a bogus company. I even expressed those concerns. Plus they want the payment electronically. However even if I do owe the debt I am skeptical about sending money electronically when I am not even sure if I owe the debt and/or if this a legitimate company Don't know what to do plus is there a statue of limitations on credit card debt? I won't be able to pull my credit report for a few days and called the bank I supposedly owe and they gave me the company name but that phone number is disconnected and isn't the company that contacted me. Plus if I still get a summons should I accept the summons?