Unfortunately, there are process servers and/or creditors who will falsely represent that they properly served a copy of the Summons and Complaint on the consumer. They figure they won’t get caught because so many people do not fight back. This is an illegal practice, and default judgments entered under these circumstances can often be set aside. In some cases, if this illegal conduct is shown to the court, the creditor’s case will be dismissed, and the creditor will be barred from re-filing the case. The court may also award you your costs and attorney fees incurred in having the default judgment set aside.