I found out today that the debt collection agency suing me in MA is not certified to collect debts in MA. Does that mean that I can get the case dismissed? Would it be better to settle the debt with them for what I can afford right now in exchange that I do not file a complaint against them as was suggested by the divisions bank?

Basically this is what I need to know.

Being sued by a collection agency not licensed in MA for an old credit card debt.

Questions
1- Are they allowed to sue me?
2- Should I file the complaint before talking to them about dropping the case or settling?
3- Should I settle so that they take the debt off my credit report?
4- If I settle will they comply and take the debt off my credit report?
5- Should I settle with them even though they are not licensed to collect debt in MA?
6- If the case is dropped can they still sue me for the same debt?
7- Can they still try to collect that debt at a later time if the case is dropped?

Thank you

Hiow old is the debt, when was the very last payment made on it? We need to consider the statute of limitations in MA

SOL has not passed yet. Debt is 4 years old. In MA SOL is 6yrs.