<prompt> Human: Today I recieved a call from a processor informing that a civil suit had been filed against me and that I was to be served. After calling the Plaintiff number I was connected with a law firm that said Bank of America was suing me for a delinquent account that had closed at approximately 400 in 2011, but now were seeking near 1500 for legal troubles. However a lot of the information that they gave me makes no sense and seems factually innacurate, but I have no evidence to provide to the contrary. And 1500 is more then I make in a month and is far beyond my ability to pay right now.Here are the facts as I remember them. I created an account with BoA soon after graduating high school in 2003, it was my first bank account. And Ill freely admit I was quite poor at personal finances and overdrafted on more then one occasion. I also noticed though that the way my account would be charged if I used my card was inconsistent, they would not always hit my account in the same time frame, and it always seemed to be right after I would withdraw funds thinking my balance was accurate because all charges should have hit. Now I know this is still poor planning on my part, but after it happened a few times, and usually in time frames that were a few days before my direct deposit so that my account would be overdrafted multiple days causing BoA to charge me with multiple overdraft fees, I asked a friend who worked at a snall local bank if this was normal and if I just really sucked at keeping track of my money. He informed me that I do suck at keeping track and need to get some more financial responsibility in my life, but the way BoA was inconsistently placing my debit purchases i didnt use my pin at the time for most purchases and put them on credit, and the timeframe from me actually making the purchase to it being adjusted in my account could vary from 2-10 days., and multi charging me on overdraft fees was an underhanded practice to make more money off of my poor choices. Frustrated I went to BoA, was unprofessionally angry, and with more swears then were probably necessary told them to close my account and that they would get no more of my fn money. As far as I knew it at that time I have a poor head for dates but this would have been 2005-2006, that would be the last time I interacted with BoA.Now as to what they are claiming. They said I have a delinquent account that was closed in 2011 more then 400 dollars in the negative. That is over five years after I last stepped into a BoA. All my interactions with BoA were in the state of New Hampshire, I moved to Texas in 2007 and have been with the same credit union ever since. They claim I have willfully evaded their attenpts to collect, which is untrue as today is the first Ive heard of it. They said theyve attempted to contact me at the address I provided them, and this is one of the most confusing parts. The address they provided was for a childhood home in another state that I have not lived in since the nineties at an age where I wouldnt have even known what a bank account is. Its surely not one I would have provided many years later in a completely different state. And they say because of my evasion and the legal fees theyve accrued because that is why I am being sued for over a grand.Im not going to lie Im terrified. Being the unorganized mess Ive been for a large portion of my life, I have no evidence to refute their claims despite everything theyre saying sounding wrong. And being mostly clueless about financial and legal issues like these, I dont know of any courses of action I could take that wont leave me completely financially screwed. I have no savings, and am often tightly wound on a paycheck to paycheck schedule. Is there anything I can do?Edit: Thank you everyone so much for the advice. After the many reassurances that it was very likely a scam, I simply googled the number they had me call and there were a couple of flags that people had put up calling it a scam number. I immediately went to my bank and learned how to freeze my credit reports. Didnt realize that cost anything which will make this week a little tight, but its so much better then losing 1500 bucks or even worse having a full blown identity theft crisis. This will definitely make sleep easier tonight, thank you folks of reddit for helping this poor unorganized sot. The internet can be dark and full of terrors, but its also full of good folks like yall.Assistant: If you got a phone call its most likely a scam, so ignore it. If you get a notice in the mail then call your bank and talk to a bank tellermanager.Human: It was a phone call. He said he was a processor that was supposed to serve me with this civil complaint. He say he had the papers but couldnt give me the info as to the nature of the suit as the papers were sealed. He couldnt even tell me who it was from. What I got from him was the plaintiffs phone number and the case number. It was when I called that number that I spoke with the law firm who after looking up the case number gave me all of this info. And on a side note I was very sketched out that when the person on the phone returned after looking up the case number, he said this suit was BoA against my name and then recited my social security number. Right over the phone without confirming who I am. If I wasnt me, someone could have gotten the key to my identity which made me very uncomfortable.  <response>: You dont get called to be told youre going to get summoned. Everyone would be able to avoid the summons if that were true. 