844-312-9233

Civil action can not exist between a credit card company and a private individual civil means exactly that 1 private party to another private party that's what civil litigation means

Unh?

Um ... not quite.

Try reading
https://en.wikipedia.org/wiki/Civil_law_(common_law)
for understanding.
A very simple example is the difference between civil law and criminal law.
Ordinary debt in the USA is covered by civil law, not criminal law.
Failure to pay ordinary debt is a civil (law) transgression.
Credit card companies, as entities, can proceed under civil law if the debtor does not pay.
In other words, civil law is NOT just between private individuals.

civilization?
You keep using that word.  I don't think you know what that word means.

G'morning Tygerkat,
I woke up to start my day. Read the replies to my posts and, just as sure as the sunrise, I saw that "Unsure/Sylvia" had done exactly as I'd predicted. One of our colleagues has deleted her posts, but you know that we can read them.
The transparent Shill returned with the same old lines of BS that all Shills do. The lame claims to "not give out personal info." As if supplying us with the name & address to the people who sent these mysterious "documents" might somehow infringe on her privacy. The name calling & the trying to imply that these people must have called me as well. As if bogus debt collectors ever make that mistake more than once!
Shills are all made from the same mold. Some ignorantly think that they're smarter than the rest. They're always proven wrong & they usually do it "in spades". "Unsure/Sylvia" is a case in point. The brighter that they think they are, the dimmer they show themselves to be.
 Live Well,
 Gunnar

A woman who said her name was Cindi Fisher said she was trying to contact a friend of mine.   (I'm a legal guardian for her.)   She said she wanted to deliver a certified legal document to her & gave a reference # & asked me to have her return the call.

"This company called, claiming they had a registered letter to deliver to me, and needed to schedule the delivery."
Nothing stopping them from mailing that "registered letter" via the USPS, except ... they don't want their location disclosed; they want to threaten and intimidate your friend.

Just got a call telling me that I had docs set to be delivered at 2 and if i would be home, im a sahm so I'm always home, all they would give me was a phone # 844-312-9244 and a doc #.....I really feel like its a scam espec after yalls comments but awaiting these so called documents that they can't even give me the sender's name on

Scam scam scam.....I have never taken a cash advance yet I'm being sues for over 2 k for a cash advance and they won't provide me proof it was ever taken out...?!?!?! Can I scream scam any louder? Lok

"I'm hestitated" [sic] to believe your Trembling Hands act.

Aren't you supposed to "call the number" and "settle" a phantom debt to avoid process service of "certified docs that need to be delivered"? You frauds haven't been doing this very long, huh?

When you and your relatives get ambush calls from a "process server" or "delivery courier" who somehow can't find your home and is desperate to hand you "papers" for debt collection you have to guess at, you already have drama, free of charge. The scoffing replies stem from knowledge of consumer laws and the well established patterns of bogus debt collectors who break them all week long.

There's no need to scream "Scam!" Kaila. It's only a matter of time before "Unsure/Sylvia" returns here under a new alias. You can vent at whatever name she's using then.
As soon as another one of the intended victims of these Scammers tells them that they've done a search on them & found this site, Voila! We'll have a new Shill here claiming that they've been served. We'll dissect that Shill & we might have to disembowel another one after that.
Scammers are never very bright. This bunch is even more mentally challenged than most. They probably can't afford to fire up a new number & are trying to get as much mileage out of this one as they can. There are times when exposing frauds is just too damn easy...
Live Well,
 Gunnar

You'd best get cracking, then, on calling every county and federal district court in the nation and demanding the vacation of millions of judgments and the dissolving of millions more settlements. Our entire judicial branch apparently never got the memo that the Mercede Doctrine forbids corporations from seeking relief in court against individual contract violators, and also prevents those same citizens from suing abusive companies. Gosh, where am I going to scrape up the five figures I've won from scofflaw debt collectors alone?

I would suggest deleting your YouTube playlist with all those instructional videos telling you to pay your bills by scrawling "Accepted For Value" on your checks, fight the IRS because collection of income tax is a crime, and hoard all the gold you can before the coming apocalypse. That's the sort of wooly thinking which will keep you, however unjustly, in poverty the rest of your life.

As your friend's guardian, you can (and possibly should) intercept and limit communications per the FDCPA regarding your ward's alleged debt, having announced your role in the matter. Your friend doesn't need to "return" anything. I would bet your court rules also have something to say of who can receive process service by proxy.

As ever I ask where the dunning letter from a real attorney went, along with your chance to raise a dispute pre-suit. I would guess Fidelity never hired counsel and has "forgotten" required notices. I note they will use any phrase -- really "a certified legal document" is rather vague -- to keep you from detecting the illegal simulation of legal process.

FDCPA §1692c. Communication in connection with debt collection
http://www.law.cornell.edu/uscode/text/15/1692c

Because business name reports trickled here slowly, it took me a while to recognize that we've gone a few rounds with the Fidelity/DSD shill team since the Spring. They enjoy playing Loan Amnesiac and The Wounded Bird. They want us to believe that paying unverified debt because of a process server threat and shaming us in front of family and friends is somehow taking moral high ground.

https://800notes.com/Phone.aspx/1-844-307-1815/2
https://800notes.com/Phone.aspx/1-844-887-6422/2

In two months since I last gathered intel, the count of phone numbers they reportedly control has grown from 12 to 18. The number of reported business name aliases has swelled from five to eight.

aliases: Fidelity Law Firm / Fidelity Litigation / Fidelity Litigation Firm / Fidelity Mediation / Delivery Service Dispatch / DS Delivery / DSD Processing / DSD Services

Ah, yes indeed. We have gone around with this motley crew before. I should have realized that. I'm not as good at keeping my "poop in a group" as you are Res. It appears that this bunch isn't getting any better at shoveling their BS. They must leave the shilling up to the man in charge, who has an IQ in the low double digits.
The owner/operator of this crew would probably be a better Shill; but we both know that whoever that currently is won't be making an appearance. Not here & most likely not in the courtroom when he gets the next round of paperwork requiring his presence. I'm sure that the dirt-bag likes to think that time is money. Inevitably, he'll find out that he's got a lot more time to do than he ever had money.
Live Well,
 Gunnar

Received the same type of call. Ref # for documents? They had my s.s. # and address but tried collecting on a old electric bill that was paid. Hmmmmm...

If you are the legal guardian, you are the only person authorized to receive service of process.  In any event, no legitimate process server calls you up and tells you in advance they are coming by.  This is a debt collection scam.  Ignore and block the numbers.