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I have an old CC debt that is now supposedly owned by Cavalry. The summons I received has zero affadavits attached. In fact, the only attachment is a copy of terms and conditions from the CC company. The lack of any supporting documents with the complaint pleading makes me suspicious about their ability to back up their standing. Anyway, I can't afford to have this go to court so in the end I've got to pay them what they'll settle for[1] before trial. My question is this: Is a strategy of going ahead as if I were willing to go to trial to get them to settle for a lower amount a good idea that has a decent chance of resulting in a lower settlement amount? The petition I received (pursuant to Missouri Chapter 517) alleges a valid assignment of debt with no supporting documents. [1] As of a phone call to them last week wherein I said something along the lines of "I'll give you $250 only so I don't have to deal with this hassle" they offered to settle for ~$1400 which is about $100.00 off of what they're suing for