So I received a letter a while back demanding money. After ignoring them and offered zero engagement, Higbee filed with the court. Spoke to an attorney who said they have 90 days to serve after they file, then I have 21 days after that to respond. Evaluating my options right now for if/when I get served (Do they always?) Oscar program will now cost me at least $2500 because they filed even though I haven't been served, is this correct?