<prompt> Human: Just got a voicemail from a summons server out of Texas stating that I have a summons for a court date this Thursday. I verified the phone number and called back to get more info as now I am a 30 year old scared adult that I cant make the court and a warrant for my arrest. The guy explained that it originated from Jacksonville Florida and later sent to collections. After collections was unable to obtain it, US bank picked it up again and is now suing me. Two things that I dont understand is that the guy explained that the 2k figure came from an overdraft fee that went to collections at 500 the man interest and 10 years time is now 2k plus court fees. Does anyone have any suggestions. I am very scared since while I could come up with 2k, I am out of town and cant make a court date to plex my case. This is the first time in 10 years I have had anything to do with US Bank. So Im confused as well.  <response>: This is a pack of lies. A debt incurred in Florida has to sue you in Florida. To sue you, they need to serve you. This means someone locating you in person and handing you a notice of the lawsuit. 10 years is well past the statute of limitations for suing someone for a debt in every state Im aware of, including Florida and Texas. A ten year old unpaid debt cant be added to your credit report.Hes just a lying collector. You can advise him to pound sand. 