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What happens when a debt collection agency files a lawsuits against you? Do you actually go to court? If so, what happens in court? This has not happened yet but I am quite sure it will very soon. Any advice is much appreciated!

I received a call from an attorney this morning and he left a message on my phone about a debt. Before I had a chance to return his call, my sister in law called to inform me that he called her house looking to speak my my brother in law regarding my husband and I. About an hour later, my...