I have a Chase CC that I got out of control with in College and then was irresponsible and didnt' pay the bills. Well it's a few years later now and I've been paying $65/month on it via automatic payments. Time came to renew the agreement because they only do a few months at a time and I forgot about it, lost the message I wrote down to call, so on and so on. Well I just found out today that they wrote it off and sold it to Stanley, Weinberg, & Assoc. I got a call today from a very unfriendly guy who wouldnt' take my word that I didn't know it had been sent to them. Asked him to send me a letter for proof, he said they did on the 11th. I told him I hadn't recieved it and he didn't believe me. I haven't recieved it. Anyway he asked if I had the $3000 and I told him know. We went through the whole when could I have it, I told him I wasn't sure (I live paycheck to paycheck). He asked me how much I could pay today, and I told him $50 (i get paid next Friday, so I really don't have more then that to spare). He wouldn't take it. I told him that I wasn't going to give any more info over the phone till I get a letter. Anyway he was threatening prosecuting and all that. Now...let me first say that I know I am in the wrong for the CC debt and that I was irresponsible. I want to fix this...but like I said I live paycheck to paycheck so I dont have what he demands. What can he LEGALLY do. What are my options? Full Payment or Court?