This is an OK law firm that is a bottom feeder, as known in the industry. Basically they buy old debts, new debts-you name it. THen they shotgun out their letters and calls to intinidate you into paying. If all else fails, they will file a SUmmons to Appear - which you get right before or shortly after the court date. The judge or clerk files a default judgment since you didn't show up, and then they let you know that. The sad thing is, they do this on uncollectable debt, debts bought from non-litigation states, and debts that are out of statue for collecting. The suck and have no respect. Currently they are battling nearly 200+ claims AGAINST them!! SO...there you ahve it.