i don't know much about the us legal system (assuming that's rgroovy07's location)... when in contact with the collectors, try to always keep some sort of written documentation /whatever matter as legidimate proof in court.
uhm, best would b if u could in any way possible "proove" that u'r intensions were never 2 not pay... there must've been cases pretty similar 2 urs b4... try searching on the internet /through the library c if u can find nything on how those cases turned out, what was in favor of the plaintif, what was not etc.
just 2 get a general overview of ur situation n ur options b4 contacting a legal counsellor because it could b expensive 4 u...
www.law.com or westlaw.com r great sites....good luck!