Sued for a debt under $25,000?  

I bet the Plaintiff didn't loan you the money either.  If not, then the FDCPA likely applies, and you need to watch the collector's conduct carefully.  Keep a log of every time they call and write the collector a certified letter requesting verification and information about the debt.  If you have not made any payments on the debt, or borrowed money on the account, within six (6) years from the date the complaint was filed, then the debt is considered "stale" and the collector may not lawfully sue you.  If that's the case, then you likely have a claim under the Fair Debt Collection Practices Act ("FDCPA").  At the very least, you will be able to get the suit thrown out of court with a statute of limitations defense.   Read more about the FDCPA below...