I am also being sued by Calvary on a debt that is over six years old. I have being paying on a debt with Calvary since April of 2017 every month like clockwork. In November of 2019, they claimed I missed a payment and I called them and left a voicemail. They never returned my call. I was served in January and called them to settle this out of court. So I made different payment arrangements with them and they agreed to the terms. However, I was mislead, and found out later, they went forward with the lawsuit and now have a default. Now I have to speak to an attorney and find out what my options are.