The good thing is that I can use all the things that they can't because I am a lowly consumer... Calling their toll-free number 24/7, and all those good stuff... If I can't collect, at least I can add the digits onto their phone bill...
Ironically, both defaults were against companies using the "We are process servers trying to serve you with a summons, contact the plaintiff at 1-xxx-xxx-xxxx." scam. I find process serving is so much more effective when it's the U.S. Marshall's and Clerk of the Court's offices doing the serving...