What kind of notice do collection agencies give before attempting to sue?

I have read that people didn't know they got sued and etc, but I thought they had serve you in person or certified letter? is that not the case? they sue without people knowing?

The answer to your question depends on the contract between you and the creditor, state law and often on the nature of the debt.

For example, you may have a contract with the creditor that requires that you be given notice of default and an opportunity to cure. State law may require such a notice.

Practically, most lenders prefer to send a demand letter before suing in hopes that you will pay without litigation and to show that the lender gave you the chance to dispute the debt before it sued you.

Some statutes may require certified mail; most lenders and attorneys send things by certified mail to prove that you got it.

If you are sued, in most states/circumstances, you must be served in person or by mail with the pleadings and will receive a summons, attached to the pleadings, that states where and when you must respond to the suit.

In other words, there are lots of rules and statutes and contractual agreements that govern the answers to your questions, and those rules will vary by state and by contract and by the nature/type of the claim.

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