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As the title states, H&H has been trying to serve me for the past week and a half. Through pure luck, I have never been home when they tried to serve me. We live in a gated community and they need to get buzzed in before they would be able to serve me. That said, they were able to get through once 14 days ago and contacted my SO. SO said the server was looking for me; server would not give SO the documents, nor would they tell SO what the documents were about. I have not yet looked up the case online to see if they have actually filed anything. What should I/can I do to prepare myself? I messed up bad and did not request debt validation (a mistake I will never make again). They mailed me the 30 day letter end of July. The balance is ~7k, OC is CITI. Based on my research, my time RIGHT NOW should be spent writing a response to the complaint. AFTER I answer the complaint, I should do the following: Thoughts/Comments?