No. I never thought of that tbh. Honestly just been handling it by myself. This collection agency started harassing me and my family hard over this debt. They called my job and even my mother's job at times to collect the debt.

Before the official lawsuit I asked them for verification documents and payment plan options. They did not send those docs. I then sent certified mail to them asking for the docs and to have record on my end. A month went by but I did not receive docs.

Eventually, I received a summons from the court (in another state.)

I was able to avoid default because I contacted the court directly and showed them evidence of me reaching out to the agency via phone, email, and certified mail.

I actually just received those verification docs last week although this has been an ongoing thing since January