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Attorney Referral Pending on your Discover Card Account

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I got this e-mail from Discover:

 

This is a reminder that we are prepared to refer your account to an attorney to bring a lawsuit against you to collect the entire balance on the above referenced Discover Card account if payment arrangements are not made by 8:00pm Eastern time on 02/29/2020.
 
It is imperative that you contact us today to resolve this issue.
 
The transactions making up your account balance have been sent to you in your monthly statements.
 
If you have already made payment arrangements, please disregard this notice.
 
Hours: Monday-Friday 8:00 am to 9:00 pm, and Saturday 8:00 am to 12:00 pm Eastern time or at Cardmembersupport.com
 
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We’re here to help.

 

 

So how do you defend an original creditor suit?  $13K

From my county court records, it looks like either Zwicker or Nathan & Nathan will get the case.  (Tennessee)

How would you go about getting any affidavit or CC statements stricken?

I already have a BK attorney I've met with a couple of times, so it looks like I will have to end up going that route.

 

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