Bronson & Migliaccio LLP Representing Runci Group/Metris Bank False account opened in my name. Notices never received. Sued for "Non-payment" Williamsville, New York

I received a phone call at my place of employment from a collection company: Asset Recovery concerning making payments on a judgement made against me from Metris Bank. I have never heard of such a place and definately never opened an account with them. I was informed that the bank's representatives entered a disposition on January 19.2007 to retrieve the money that was charged on this account. Since I did not attend, a judgement was put against me for close to $3,000. I have never received any thing concerning this because if I had I would have responded immediately. I told the representive of this collection agency that I did not open this account. I was told that if I do not pay this money my wages would be garnished. I only agreed to a "settlement" only because I do not want my credit to be ruined. My bank account has had close to $600.00 removed and I am "fighting" this bank. I have asked for information, proof that I opened this account and all that I received was the name and address of the firm that is representing this bank. I feel that someone has opened this account in my name especially since the address used in the disposition is one that I did not live in in over eight years.