Hmm.....that does seem a bit much tacking on $500.
This is what I would do.....so just my 2 cents.......but I would try calling the OC to see if there is ANY way to work things out with them. If the debt has only been assigned (and not sold) then you might be able to make some sort of payment arrangement with the OC.
If they tell you no.....then you have a choice. You can either ignore the CA and try to "hide it out" until it's out of SOL.........OR you can send them a DV and face it head on. IF they can send you proper validation (without violating laws)........then you may have work with the CA. As much as I would hate to do that....it would be a better alternative than getting sued. And it's very possible that for that amount.....they will try.
I guess the CA could have found you from updating your CRs....but it's more likely that they found you through a skip trace service. You can always check and see if they pulled your CRs recently.......then you would know for sure.
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