Capital One - Stillman Law Offices unlawful summons procedures West Bloomfield, Michigan

this summon is a hit and run in the hope you will miss the court date to obtain a default judgment. first you must answer the summon by denying every things in to it, admit to your name and address only and request evidence that they represent the crap 1.

Whether you feel it is right or not you were most likely properly served, and are going to have to deal with it.  It is not usually legal to serve you by regular mail, but Certified Mail is generally legal.  But you have to confirm if you are required to sign for it personally.  But even if you weren't served properly, all that would do is extend out the time of the suit it wouldn't have the suit dismissed.  Just consider yourself lucky that they didn't try to perform "sewer service".  That is where they send it to an address they know you do not live at.  They do this in the hopes that the summons never reaches you and they can get a default judgment.

So now you need to follow the instructions on the summons.  If you are required to file an answer..Do that before any deadline they list.  Or again you could have a default judgment.

You may want to be careful about not disputing the debt.  You appear to be close to having the Statute of Limitations run out.  In MI it is 6 years so if you have not made any sort of payment in 6 years there is a very good chance that they are past the Statute of Limitations.  In your answer you may want to require that they provide proof of the debt including the last payment on the account.  If they can't provide proof that it is your debt, or that it has been less than 6 years you have very good legal grounds to have the suit dismissed.

If this is for anymore than a couple hundred dollars you may find it worth at least consulting a lawyer as to how to proceed.