In the middle of November, I received a collection letter from Cohen & Slamowitz on an account with HSBC. I know that Cohen & Slamowitz has a terrible reputation so I wanted them to validate the debt before I did anything. I sent them the debt validation letter rrr before 30 days were up. On the same day that I got the little green card back in the mail (12/6), they sent a process server to my house while I was at work and served a lawsuit against me on my husband who happened to be home from work that day. I have yet to hear back from the original debt validation letter I sent to them. Seems very coincidental that they received my debt validation letter and just sent a process server within just a few days later. I understood that Cohen & Slamowitz were "Junk Debt Buyers" but this suit says they are plaintiff's attorneys and that the plaintiff is HSBC. I have sent the papers to an attorney but haven't gotten an answer yet. Does anyone have any words of advice that I could use in this situation?
I am assuming that since they didn't serve the papers on me personally but on my husband for me, that I have 30 days from the date of service to answer which would be 1/6... Which is a good thing since I'm scheduled to deliver my new baby girl on 12/19... I'd love to have some kind of line on what to do with this before it's too late.
Thanks so much.
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