OK I had a capital one card that I have not paid for proly a year now, only because I was not able to. I received a notice in the mail from law office of cohen and slamowitz claiming they are getting ready to sue me if I don't pay my debt. I currently owe $1800. I have called to try to come to an agreement on payments I can do monthly, but they are not being reasonable. The woman I spoke to on the phone had a horrible attitude, and wasn't really cooperating with me. She didn't care that I was a college student and that I didn't make that much money. We agreed with paying 200 a month, and I signed papers that came in the mail saying that I agree to do such a thing. I post dated a check for 200 on July 5, but when I checked my account 2 days later, and they have not taken the money yet. I started to get worried, because they had my account and routing number, and didn't take the money when they were supposed to. I didn't want them to think they had the freedom of taking the money whenever they felt like it.so I put a stop payment on the check and I opened a new account at a new bank. 200 is way too much for me to pay. Now I got a letter in the mail from them stating that if I don't send them a replacement check, they will exercise their rights by the law. Can they really sue me for debt? What should I do? I am very scared