Someone came to my home and served me with a " summons '' about a debt. When served a summons, the documents are supposed to be handed to the right party from my understanding, but these documents were handed to my roommate ( 3rd party ). Also, according to the FDCPA, sending documents that imitate actual court documents is in direct violation of debt collecting tactics. I 've checked my local courts for this case and nothing has shown up with my name and this may cause me to take legal action if necessary. 

I 'm not sure where this debt has come from, I thought it may have been something from college, but for the next year, my payments have been deferred.