hello i need your help i got a call earlier today at my mother in law from a law firm saying that i ab out to be served to go to court becuse of a checking acct i had back n 2008 he said it was charged off in 2010 and that i have to sever 30 to 90 days in jail he said if i can make a large payment they could break up the rest my question is can they do this and what can i do because i since moved from the state i had the acct in please help