How will I know if a creditor takes me to court, or sues me?

You will know you are being sued when

• a sheriff or constable delivers court papers to you or to someone at your home and the papers tell you about a case against you.  This is sometimes called “being served”. 
• In small claims court cases, you can be served by certified mail. 

The papers are called a summons and complaint. See What court papers will I get?