I had a Wachovia CC charge off in late 1999. I had been making monthly payments to Wachovia between $50 - 125 over the past year or so through their internal collections department. I currently owe about $3700. They recently referred my account to an attorney's collection office because my monthly payments were not satisfactory to them. This attorney's office attempted to get me to settle for about $2900. I am a student, I have no job or major assets, I will be done with school in about a year, I want to pay this debt off, but I can only afford monthly payments of $50-100. The attorney collection office was very rude and asked about my religious faith, other credit cards they see on my credit file, etc. The Collection agent said that they were trying every avenue prior to suing me. I really cannot pay them their lump sum..only payments as I stated. At this point, any ideas what will happen next? Is this just a scare tactic? If I get sued, what next? The collection agent wouldnt even tell me her mailing address...she said..."it's in a letter that we sent to you...look it up" I am assuming that she sent the letter to my parents home. Any ideas or suggestions or speculations? I am worried.