Hi. This is my first post, i'm hoping i can get some helpful information.
I got a fake summons on october 21st from MEL Harris & associates for an account that i do not recall. I'm not saying that i don't owe the money, i just honestly don't know what it's from because i don't remember having a card with this debt in 2006. They even stamped the fake summons with the name of the court in my county.
So, thanks to this website i sent a very detailed letter requesting validation, this was received by them on october 25th. Two weeks later they sent me another fake summons (it was dated september 2nd?) and offered a settlement (they didn't do this the first time). I still have yet to receive a validation letter. No phone call, no regular mail, nothing. The first thing i recived from them was this summons.
So today i got a letter from a bankruptcy attorney here in my city saying that he just noticed (via public records) that a summons was filed against me and that he is here to help.
Could mel & harris have filed a lawsuit against me without sending any validation letter? Also, are summons public records? I'm guessing they are or this bankruptcy lawyer wouldn't have gotten my name and address.
I'm not sure where to go from here. Thanks for reading and any help!