Fellow Missourian here....can spit across into Arkansas almost........get hit from the floods?
Medical is usually considered written and CC open.
The OC/CA can sue based on either SOL, Missouri's or Arkansas'.
Without really knowing what the debt is for sure, since they won't give you any information, it's hard to know SOL and if you are still within SOL.
I assume they are asking you to pay when they call......is the amount they are asking for close to any delinquent account you are aware of?
I'd stop talking to them on the phone, tell them you don't discuss financial matters over the phone to please send all communications via mail and tell your in laws to tell them not to call no more. If they do, they are in violation.
They say they have summons prepared already.....that would mean they've already filed in court...you can access Missouri court cases online -
Check it out.
I'd send a DV CMRRR.