Requires that debt collection complaints be filed before service of the summons and complaint on defendants to ensure that defendants: (1) Understand that it is an existing court case;

(2) Are informed of the case number; and

(3) Receive adequate notice and a reasonable opportunity to respond and be heard to avoid default judgment.

Prohibits a licensee or employee of a licensee from serving a debtor with a summons and complaint unless the summons and complaint have been filed with the court and bear the case number assigned by the court.