Last week, I received a call from Florida (didn't pick up the phone because I didn't recognize the number) they left a message saying they were from the Process Server Department and that a summons was issued for me to appear in court. They gave me the case number and a 800 number to call back to resolve this issue before it proceeds to court. Being scared I immediately called back the number and was put in contact with a Mr. James Winton. At this point, he was not aware that I had my credit report in front of me and was also looking up the case number on our local Judci website. I told him that I never received any letter from anyone about my Continental Finance Credit Card and wanting to settle the amount that was owed. I also noticed on my credit report that the account has never been formally closed or turned over for collection. Also on our local judci website there were no pending cases under my name. I believe that this collection agency is a RIPOFF and they don't follow proper debt collection proceedings. I will refuse to give any money over the phone until they mail me some type of letter with legit information regarding the debt. I also went to the Better Business Bureau website for this company and they gave them a rating of F. Basically, this is nothing but a scare tactic to get money out of you...they are too many red flags when talking with this James Winton. Do not trust this company or anyone that works with them...they will not send you any information.