Hi, I'm currently dealing with these same scumbags.
They first (8 months ago) tried to have a judgement filed against me without any proof of account, ownership or even SERVICE. Luckily, the judge stopped them and had a show cause hearing why sanctions should not be imposed for failing to provide proof of service.
Several months later they say they attempted to serve me personally, but not finding me (they say) they simply mailed the summons and complaint to my parents in a city 300 miles away. Then they filed proof of service saying that they delivered it to a fictitious person who was my co-resident.
I filed a motion to quash service and they were sent a reject notice. Hearing is tomorrow and I'm fighting tooth and nail. In their summons they failed to "State a Claim" providing any proof of any account or even an (inadmissible hearsay) Avidavit of Debt. That's against the court rules.
The hard answer is to do your homework, FAST, and learn how the system works. The easy answer is to hire a lawyer, but we both know that you probably don't have the money for that. Either way, they've screwed up many times and you can AT LEAST sue them for that.
YOU DO NOT HAVE TO GIVE THEM MONEY. You can be filed as "Judgement Proof" if you can't get this overturned. That means you have no money to take.
If you'd like, I'll post my response and send you personally my case info so may be able to use it as a supporting precedent to prove that they didn't even serve you.
FIGHT FIGHT FIGHT. These dirtbags cheat, lie, steal and will destroy your life for money.
check this out too.
http://www.howtoansweracreditcarddebtlawsuit.com/id65.html
Good luck, I'll keep you posted.
