I'm trying to find out if a collection agency can get in a joined account with out an order from a judge. I have an old debt since 1999 and am very worried. I tried a payment plan of $75 but they weren't willing to accept no lower than $200, I recently got my moneyorder back. Is this allowed? I also mailed in a Validation this week since its a very old account. I don't even know if these people have entered a judgement. Just signed today for a second card holder/joined account with my boyfriend. Should I cancel it or still have my account open?