Here's the thing...
-- If you duck service, a default judgment is awarded to the plaintiff.
-- If you complain by initiating an FDCPA claim in court, you are a likely winner of some sort of statutory award. But, remember, the FDCPA allows for the bona fide error defense, which is exactly what they will use either to get the case thrown out or to argue for a token award for as low as $1.
-- Whichever of the paths you choose to follow, rest assured that the plaintiff will withdraw the case and refile it in your jurisdiction, perhaps even just outside the courtroom on the way in for the first hearing.
You are going to be served, and the only question now is when and how...A judgment could well be in your future.