Get written proof before doing anything.

You acted wisely in not giving them Information or paying anything and in asking for written proof. If it is not a scam, and it may be, it is...

You should look into fighting the ticket but do not ignore it.

Look into filing a motion to set aside the judgment on the basis you were never served.

Read the agreement on the original loan.

You have a strong defense to this debt. Also look into if it is past your state’s statute or limitations to sue.

If you received your telephone back, you have no case.

Yes you have a case. Discuss your case with experienced personal injury/civil litigation attorneys in your state.

Unless there is a specific court rule, there is no such requirement.

Yes you should. But first research your state’s MSJ laws and procedure. In some states, by the time of the MSJ it may be too late for them to...