Thanks for the reply.

The paperwork was mailed to me from the Sheriff.

So even though I do not have an account at that bank, I would incur fees from the banks even though I never signed any sort of fee agreement with them? How can that be enforced? I don't get how that is legal. I can only assume that this place has put some sort of monitoring service on my credit report and every time a bank inquiry is made on it then they try to levy it. The thing is though the account was not created because my app was denied.

Are there any legal recourses that I can take to force them to reveal how they are obtaining my banking info (even if it was wrong).

I do not think this place is going to summon me for a debtor's exam. That would require they also appear in court right?

They are a large firm that appears to handle all the cases for this specific client across the entire state. The law firm is several hundred miles away and has 1 single office. I doubt they will travel that far. Or can debtor's exam be done outside of court (interrogatories mailed), etc?