Yeah, I see your points. What irks me with this entire situation is that I've had a spotless history with them for 14+ years. Being overly general here, I missed some payments recently but cured them as quickly as I could. I pulled my credit reports, the worst I see is 60 days and others show as I'm now current. Per their statement which I still receive monthly I don't have a past due. As I now have come to realize, different creditors use different criteria to deem an account as defaulted. I've intentionally ignored Zwicker altogether from day 1 making payments to AMEX. Perhaps this prompted the lawsuit. As I mentioned above, I filed my Answer and I got a settlement offer four days later. Out of principle, I am leaning towards fighting this. The remedy I asked for from the judge is not the norm. I worked for a large international law firm and have been to a number of large, protracted trials, so this process doesn't really phase me, and I know the games they play. I've already seen some sneaky tactics they tried, even in the settlement offer! Let me think about this a bit more before I decide to share more details. I appreciate the PM's and replies.