A company bought my account off of my original creditor for probably a small amount compared to the now $11,000 balance. Since the amount is more than $5000, it may have to be tried in civil court instead of small claims. If brought to civil, would it be worth it for the collection agency to go ahead with filing it b/c of the money they will have to spend with court fee, etc? Also is it possible they can go to small claims instead by asking for $5000 instead of the full balance? They keep threatening to bring it to court asap, but then follow up the next day with a settlement of around $5000 or so while using different scaring tactics each call.