Hi, a collection just took all my money from my bank account ($3800), but they never sent me a court summons. Since I first got sued by them (May 2013) I have tried calling them and leaving messages to set up a payment plan, but have never been able to get ahold of anyone or gotten any calls back. Is it legal for them to take all my money without ever sending me a court summons?
Before the creditor could get the writ of garnishment (or whatever it's called in your state) to attach the bank account, it had to first get a court judgment against you. That means the creditor had to sue you, and the first step in that process is filing the complaint with the court and then serving you with a summons and copy of the complaint. So, the creditor had to have served you, or at least told the court that it did.
You knew back in May that you had been sued. How did you find that out if it wasn't from receiving the summons? Once you knew about the lawsuit, that was the best time to figure out what was going on and respond to the lawsuit if you disagreed that you owe the money. It might not be possible now to challenge the judgment the creditor got. But to figure out what, if anything, you can do now, the place to start is going to the court where the judgement was obtained and get a copy of the file to see what happened.