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Sued you without properly notifying you of lawsuit. On XX/XX/XXXX I review my credit report and I decided to try to settle some debt with 2 major retailers. With XXXX Credit card collector -XXXX, I had no issues, we discussed a reasonable settlement and monthly Payment plan and call was done. I contacted XXXX XXXX - Synchrony Bank and was informed the collection was now with XXXX XXXX and was given the contact number of XXXX. A representative got on and said they represented XXXX XXXX and XXXX and transferred me to the supposed Account Manager named XXXX XXXX. I mentioned I have a very tight budget but wanted to settle the debt for XXXX with XXXX per month for a debt of {$4400.00}. He proceeded to tell me that hed been in collections for 5 years and never settled a debt for that low. I