A process server might serve papers from the court on you or someone living at the home, indicating that a civil lawsuit has been filed against you because you stopped paying or owe money on an account. The papers might also be left on the door and mailed to you if the judge authorized it. You may be served a small claims lawsuit by certified mail. This is called service of process. The complaint will explain how much the creditor/plaintiff thinks you owe and might include the accounting ledger showing how that amount was calculated. You must file an answer to respond to the lawsuit, which either admits or denies the creditor's claims and the reasons why.
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