A debt collector agency served me court papers. The following day I called them and asked told them I needed to take care of this, I never admited to having the debt just that I needed to take care of it. The debt is mine and we are going to court tomorrow and I can't sleep. I owe 1,100 and recently offered them a 800 settlement that they refused and said they needed a min of 1,000. Any suggestions for court or actions for the debt collectors?