Only a court can issue a summons. If it is not from a court then it is not a summons (I would have to see it to be sure). It may simply be a notice of intent to sue; they are telling you that you are about to be sued in civil court for a debt you owe. If you verbally agreed to an amount it is a vaild contract; you may however, amend the contract by calling them and asking for a new, lower rate and payment. If they accept, the amendment must be in writing (unless the call is being recorded and you are told, in which case, the recording serves the purpose of a writing). The company will usually send you a letter with the agreement detailed and you will be asked to sign and return it with payment. You may want to use bankruptcy as an option to threaten the credit card company... If you claim bankruptcty, an unsecured creditor like a credit card company won't get much of abything (unsecured creditors get their money last in bankruptcy). The notion that they will not get any return on their money may prompt them to make a better agreement with you. You also have to option of hiring an credit agency to help you fix your credit; they will negotiate lower payments and interest rates on your behalf and often for a very small fee. For further information look up the Fair Credit Reporting Act

I was told that I would receive information in the mail that I needed to have notarized. I did call the company back and asked to speak with the person I was dealing with and they did not have her on file. I asked for the name of the person that was listed on this summons and who signed the summons and there was no person with that name at the company. Im starting to think this is all false and Ive been scammed. If I were to stop paying my credit card why did the credit card company not contact me first?
If the conversation was recorded do they have to say this conversation is being recorded?. I was also told by her that if I file bankruptcy that I can't include this in the bankruptcy because I agreed to pay.