I am being sued by Discover Financial Services in the state of XXXX. The debt I created with Discover Financial Services was created in the state of XXXX. I did not sign for the debt in the state of XXXX. Why am I being sued in the state of XXXX? 

Also, I received a letter from XXXX XXXX , Executive Office of Customer Advocacy for Discover, dated XXXX XXXX, 2015. This letter was pertaining to an investigation that discover performed concerning my previous CFPB complaint. She stated that XXXX XXXX group reported that there were XXXX repayment options offered to me which I declined. This was a false statement made by XXXX XXXX XXXX. I was offered only XXXX payment option which was a 60 % reduction of the balance in a XXXX lump payment or XXXX monthly installments. I declined the offer because I thought the debt had passed the statue of limitations to be sued on in the state of XXXX. So, I decided to make a complaint to the CFPB for relief of this debt. Additionally, the XXXX XXXX XXXX stated to XXXX that I declined another offer of a XXXX year repayment plan. The law group never made an offer of a XXXX year repayment plan to me. This is false. When I spoke to XXXX XXXX, a lawyer at XXXX XXXX XXXX, I told him that they never mentioned more than XXXX option of repayment to me ; however, if there is another option for me, I would prefer a 60 % reduction of the balance with a first payment of {$3100.00} and the remainder to be divided into XXXX monthly installments of {$260.00}. XXXX agreed that this was a doable arrangement ; however, I did not hear from him anymore on the matter. I faxed him a copy of XXXX XXXX ' letter for his records. 

I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2015 stating that they have verified my debt with Discover and it is their intention to continue with collection activity. I was instructed to consult an attorney if I have any questions about my liabilities. 

I have made two attempts to make a financial arrangement to settle this debt ( my XXXX offer was a lump sum of {$3000.00} dollars ) and XXXX XXXX XXXX does not appear to be willing to settle this debt in a civilized manner. I am trying to avoid payroll garnishments and unauthorized withdrawals from my bank account. As a consumer, what can I do to protect my assets when I have tried to make repayment arrangements?