I received a summons for an amount of 1718.35 from a law firm that is suppose to be representing a collection agency by the name of J.R.S.-I, Inc, I contacted the law firm and had to leave a message, someone did call me back, and the woman that I spoke to states that if a agree to make payment arrangements or pay the amount in full, I would not have to go to court, but what I stated to her was that if the amount was correct I would have no problem paying I also stated that when the account was charged ofF it was charged off for 899.06, so how do I OWE 1718.35, so what I stated to her was that I guess I will have to go to court because I don't agree to the amonut states, please provided me with some advice on how to handle this summons or direct me to someone who can, THANKS

First its not a good idea to piggyback your question on someone else's. This can lead to confusion. You should start a new thread. So I've moved your question to its own thread.

Well you should have asked for advice BEFORE you called. Because you haven't handled it well so far.

As to the amount doubling, it can easily do that with interest and fees.

If you stated what you did about the account being charged off you admitted the debt. What you should have done is send the court an answer to the summons stating your Intent to Defend.

You then send a copy to the plaintiff with a request for verification of the debt. You can say, in the cover letter that, IF they can verify the debt, they you will be willing to work out a settlement.

At this point, since you have admitted the debt, the best you can ask for is an accounting of how they arrived at the current amount.

Also, since you were obviously aware of this debt and made no attempt to pay until threatened with court action, the court is not going to look kindly on this.