I was served with a summons on 11/29 by a collection agency claiming
that they are suing me on behalf of Bank of America.  Prior to them
serving me the paperwork, I have not had contact by them via letter or
phone.  My old debt was opened in 1995 and was charged off in 6/2000
from bank Of America for a $500 credit card. I pulled my credit report
and the collection agency  added that collection on my credit report
in May 2005 for $1800.00. I believe the Statue of Limitation to sue is
4 years in the state of California.  Also I believe that in the Fair
Collections Act, the collection agency is legally required to contact
me in writing that  they have bought my debt from the original
creditor and two, a letter stating the break down of the amount of the
damage?  If they had, I would of had the chance to request a letter of
debt verification in which I now may not have an opportunity to do so.
Can any Consumer or Collection Lawyer shed some light into how I can
answer my summon and tell me if they have fallen out of line?
I contacted the CA as well and they were pushing me to settle for
damages and additional lawyer fees?

Help!!