So Midland sent me a threatening letter via email saying they are acting on Citi behalf and are going to take court actions on me if I dont pay a debt of 781(but I owed a debt of 383 to citi) and then at the time I didn't know anything so I tried to stall them and got it waited out till now. But They just sent me asking to pay 100$ via Walmart gift card, monogram. And it's weird so I decided to look more into it and found this site and wanted to see what my options are.
I have never been served a paper summons does the email count as a summons? I have never received a call,text, or email from them before this, and I haven't seen anything on my credit from them I think so what could be done? Could me emailing them and saying I could pay be used against me?