A collection agency sent me a summons last week saying they are taking me to court for $4000 i have owed this for years. they also added there own fees, so now it's over $5000. I have not made a payment in years on this. it,s from a HSBC card i had about 6 years ago. i made a payment of $500 about 3 years ago. I am on unimployment now and just making my car and rent payments. can they garnish my unimployment check? I also told them i may be abel to pay about 50 a month but they want $1000. what should i do?