Cohen& Slamowitz LLP Company claims they served someone in my household a court notice for a debt but I, nor anyone in my house ever received one. Claims they served someone in my household a summons but never did, not provided proof woodbury , New York

You can always also file a complaint with the FTC (Federal Trade Commision)

www.ftc.org there is a tab to file the complaint online

You can also for good measure file a complaint with the BBB (Better Business Bureau)

www.bbb.org

and you can throw in a dash of reporting them to the Attorney General

www.oag.state.ny.us

If they have not validtiated your debt by the time you have reported them to the 3 above agencies. I promise you that they will close out that account so quick their heads will spin. Not to mention issue you a letter stating that this account was reported to the bureaus in error and have it off of your credit report with in 30 days. If you call Experian, Equifax, & Trans Union you can do some smoozing like I did on mine and have it off in 3 to 5 days after you fax them the letter.

Experian Fax: 972-390-4962

Phone: 866-853-0303

Equifax Fax: 404-885-8988

Phone: 877-784-2528

Address: Equifax Consumer Fraud Division
            P.O. Box 740256
            Atlanta, GA 30374

Trans Union Fax: 714-525-0668

Phone: 800-916-8800

Address: P.O. Box 2000
            Chester, PA 19022

Don't play around with these people ask them to validate the debt. They have gotten this 3rd hand debt from someone who has gotten it from someone else. They served my daughter in law with a subpeona that wasn't even signed by a judge. She was ready to try and settle the debt until she showed it to me. Alot of times these are things that alot of people do not notice. They sent her a supposed subpeona for information even asking for her landlord's name, address and phone number. THESE ARE ALL SCARE TACTICS. They even had a remark such as if she did not answer that she would be held in contempt of court!!!! I didn't know you could go to jail for owing a debt in this country. If that were the case we would all be in jail. So file your complaint with the FTC, BBB, & The Attorney General.

Judgments cannot come out of the clear blue sky and debt collectors (nor banks) cannot assess judgments on their own. Only a court can do this.....A process has to be followed: Officially serving you a summons....this is usually done by a sheriff. A court date is established and on that date you face your creditor. If they win and a judgment is assessed...only THEN they can freeze your bank accounts...

Many bottom-feeder debt collectors have figured out that if they "accidentally" serve you a summons to an old/incorrect address where they know that you won't be there.....that you will be a "no show" on the court date because you weren't aware of it.....Then.... boom....an automatic default judgment is assessed against you. This is how these bank account freezes usually occur out of the clear blue sky. When the time comes to assess the judgment, they have no trouble finding your "real" address.

It is illegal to deliberately serve someone at an incorrect address. This tactic is called a "sewer service" summons delivery. If you can document that you were improperly served, you may be able to get this judgment voided.

Go to the clerk of the court of the court that granted the judgment. You want copies of all documents in the case against you. You want to examine the 'proof of service' documents to determine who/where service is claimed to have been performed.
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Send Cohen and Slamowitz a letter via Certified Mail + Return Receipt (NOT regular mail) stating:

Per the Fair Debt Collection Practices Act, I am requesting written validation of the alleged summons that was served regarding this case, to include:
- date and time of that the summons was served
- full name of the person who signed for it
- a clear photocopy of the summons
- the full name of the process server who served the summons
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 * Never sign your signature on any document that you mail to a debt collector.  Simply type your full name.