I received a summons from a junk debt collector,whom I've never received any correspondence from. Attached to the summons was a "Generic Customer Membership Agreement" with a date of "XX20__, with evidence such as this, do they have a case against me? Also, what can I do to fight this, the card limit was $250 and has now ballooned to over 3K.

Do you or did you actually owe the debt

Where is this at, what country and if the US what state

When was the last time a payment was made or you agreed to pay anything

And you can fight any charges not allowed in your agreement.

It is not unlikely for a 250 dollar debt to easily be 1000 dollars, 3 K does sound fairly high

This is in Illinois and the last payment I can recall may have been around 2005. Is there a way the collectors can tell what the last payment was. Also, exactly what information do the collectors get when the account is purchased from the original creditor?