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Alright Ladies and Gents, the day has arrived....I suppose we should get down to business: ========== Background =========== I've been checking my local court site daily because I heard that Persolve were scumbags...NO SUMMONS DELIVERED but this popped up online within the last few days. I have had virtually no contact with them. I have hung up on them a few times. Main Questions: i) Do I take this on myself, or hire an attorney? ii) What is my first step based on the answer to i 1. Who is the named plaintiff in the suit? Persolve LLC / Account Resolution Associates 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) (from online court site) Attorney: Edit Alexandryan Persolve, LLC , 9301 Winnetka Avenue3. How much are you being sued for? 5k < ME < 10k 4. Who is the original creditor? (if not the Plaintiff) Wells Fargo Bank 5. How do you know you are being sued? (You were served, right?) Case showed up on county website....never served 6. How were you served? (Mail, In person, Notice on door) Wasnt...persolve are scumbags 7. Was the service legal as required by your state? Nope (unless i haven't got it yet, but shouldn't they serve before they file claim? 8. What was your correspondence (if any) with the people suing you before you think you were being sued? No contact. A few answered calls and i just hang up on them when they say who they are. 9. What state and county do you live in? California 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) ~Middle 2010 11. What is the SOL on the debt? To find out: 4 years 12. What is the status of your case? Suit served? Motions filed? You can find this by a) calling the court or looking it up online (many states have this information posted - when you find the online court site, search by case number or your name). Summons Filed (apparently, at least it says this online.) 13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No 14. Did you request debt validation before the suit was filed? Note: if you haven't sent a debt validation request, don't bother doing this now - it's too late. No 15. How long do you have to respond to the suit? (This should be in your paperwork). If you don't respond to the lawsuit notice you will lose automatically. In 99% of the cases, they will require you to answer the summons, and each point they are claiming. We need to know what the "charges" are. Please post what they are claiming. Did you receive an interrogatory (questionnaire) regarding the lawsuit? Have no paper work, how do I find out? 16. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. Have no idea. Either they never sent it, or I haven't received it yet, but it shows up online.