Consumers frequently call saying they have been served with a fake debt collection lawsuit.
There’s a really good chance it is a real/actual/consequential lawsuit.
In Minnesota, you can initiate a lawsuit without filing it with the court—it’s called pocket service.
Consumers frequently get confused when they call the courthouse and are informed the court has no record of the case. Again, just because it does not have a court file number, that does not mean it is fake.
It’s still a real lawsuit. And failing to respond will have very real consequences.
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