Legal Question in Credit and Debt Law in Colorado

In September of 2011 my husband became unemployed. I called all debt holders about arrangements for reduced payments. Most would not work with me. One Debt was with GE Money for apx $1000. They piled on late fews and interest refusing to work with me for reduced payments. In December of 2012. We received notice that they had sold the debt to CACH LLC. The debt had risen to $1980. My husband mailed a letter right away stating our situation (He is still unemployed and I make only $800 a month) we are a family of 4 with a surprise #5 on the way. They sent a letter offering to settle at 80% and asked ot have an answer by January 31, 2013. My husband had had to have an emergency surgery after I had been sick for some time but we still answered the offer by January 31. We answered with a question about payment arrangements involving withdraw. This went to them on January 29, 2013. On February 4 2013 we were served a summons for March 13, 2013. My question is. Should I attempt via phone and mail to contact the attorney suing us? I'd like to make a small offer or a payment offer but they haven't answered. Does everything HAVE to go through the courts? My husband's unemployment has ended and we are about to have $800-1000 a month as our ONLY income, in wich case we'll probably have to start getting food stamps. What can I anticipate as far as what I owe them? I'd like to prepare for the worst case scenario. I'd like to avoid court but they are clearly ignoring our offers. It is clear they had no intention in considering the 80% offer because the date they filed with court was 1/18/13. Help please.

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