Generally your best bet to determine if you are being sued is to call your local county courthouse. If your small claims court is separate you might have to call them as well. Debt collectors use a ton of gimmicks to scare people.
Scot is right but the papers should be "legally" served on you. Normally that could be done by a process server or a deputy sheriff in your home county. Most often it done by certified mail, so always pick up your mail. If none of the above is successful, it could be by publishing notice in the local newspaper. If you are concerned about it occurring in the future or recent past, you could check with the court clerk where you think it may have been filed. You could also subscribe to the local newspaper in the town where you used to live or where the courthouse is located, so if they try to serve you by "publication" (not often used and always used as a last resort), you might see it. If it is a current situation in another state or city, you can contact an attorney in that state or city and have them go to the courthouse and actually review the records to see. Also many court clerks now have their records online and you may be able to check it out yourself. If this answer was helpful, please give it a "Vote Up" below. Thanks for asking and good luck.
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Any filed civil suit usually becomes a matter of public record. You may inquire for a possible civil action against you by contatcting the respective clerk of the court of that jurisdiction.
Also, some jurisdictions have on line sites that permit checking that information on line by using a party name (either a plaintiff or respondent/defendant).
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In Wisconsin, you can learn if any civil suits have been filed against you by a creditor through a search on the state's Circuit Court Access website (CCAP). Here is the link: http://wcca.wicourts.gov/simpleCaseSearch.xsl
It may take a few days for any new filings to be updated, but you simply enter your first and last name and a full list of all filed cases statewide involving a party with that name will be provided.
I'm not sure who sent this postcard - It may just be a collection agency attempting to intimidate you - but you should receive proper service of the summons and complaint in the event that a civil suit has actually been filed. I hope this helps!