Serving Wells Fargo at a branch, at its San Francisco corporate offices, or on the parent holding company when your complaint names the bank will void your service before the process server returns. Wells Fargo Bank, N.A. is a federally chartered national banking association — not a Delaware corporation, not a California corporation — with its main office at 101 N Phillips Avenue, Sioux Falls, South Dakota 57104, designated with the Office of the Comptroller of the Currency under federal law. Wells Fargo & Company, the Delaware holding company headquartered at 420 Montgomery Street, San Francisco, is a separate legal entity with a separate registered agent and separate service rules. Service on the holding company does not bind the bank. Service on a retail branch binds no one. Undisputed Legal has served Wells Fargo entities in OCC, CFPB, Federal Reserve, and civil court proceedings since 2010 — with GPS-verified affidavits that have survived Wells Fargo’s 12(b)(5) challenges in federal and state courts nationwide.
Every Wells Fargo assignment begins with FFIEC verification of the bank’s current main office designation, Delaware Division of Corporations confirmation of the holding company’s registered agent, and entity routing based on the specific defendant named in your complaint. GPS-verified affidavit of service, notarized and ready for court filing, within 24 hours of delivery.
Call (800) 774-6922 now or place your order online to begin entity-verified service on Wells Fargo Bank today.
The foundational error in serving Wells Fargo is applying state corporation service law to an entity that is not a state corporation. Wells Fargo Bank, N.A. — the “N.A.” designating “National Association” — has been a federally chartered national bank since 1870. It is organized under the National Bank Act, codified at 12 U.S.C. § 21 et seq., and supervised by the Office of the Comptroller of the Currency. Its Federal Reserve RSSD ID is 451965. It is not organized under Delaware’s General Corporation Law, California’s Corporations Code, or any other state business corporation statute. It does not have a state of incorporation. Its charter is federal, its regulator is federal, and its service rules are governed by federal banking law first — not by whichever state corporation service statute the serving attorney assumed applied.
State corporation service statutes — Delaware’s 8 Del. C. § 321, California’s CCP § 416.10, New York’s CPLR § 311 — do not govern service on Wells Fargo Bank, N.A. the way they govern state corporations. Service on national banks is governed by 12 CFR § 7.4002 and FRCP 4(h). Wells Fargo & Company, the parent, is a Delaware corporation — the bank subsidiary is not. Treating them as one entity produces a defective affidavit and a 12(b)(5) motion.
Wells Fargo’s identity is bound to San Francisco — 420 Montgomery Street, the gold rush-era headquarters, the holding company’s registered address. That history is irrelevant to federal banking venue. Under federal law, Wells Fargo Bank, N.A.’s main office is 101 N Phillips Avenue, Sioux Falls, South Dakota 57104. That address controls under 12 U.S.C. § 94, which establishes that suits against a national bank may be brought “in the Federal or State court held within the district in which such association is established or located.” The Supreme Court confirmed in Wachovia Bank, N.A. v. Schmidt, 546 U.S. 303 (2006), that a national bank is “located” only in the state of its main office — not in every state where it operates branches. Wells Fargo operates 4,230 domestic branches across 37 states. Every one of them is irrelevant to federal venue analysis.
The venue consequence is real: an attorney who files a direct claim against Wells Fargo Bank, N.A. in the Northern District of California — where the San Francisco holding company sits — is in a district that 12 U.S.C. § 94 does not support for national bank claims. The District of South Dakota controls. This surfaces in consumer lending, FDCPA suits, and mortgage enforcement where the named defendant is the bank. Process to the Sioux Falls main office or the state-specific registered agent is legally effective on the bank. 420 Montgomery Street reaches the holding company’s address — not the bank’s registered agent.
Wells Fargo & Company (NYSE: WFC) is a Delaware corporation and a financial holding company under the Bank Holding Company Act of 1956, with its principal executive office at 420 Montgomery Street, San Francisco, CA 94104. Its registered agent in Delaware is Corporation Service Company at 2711 Centerville Road, Suite 400, Wilmington, DE 19808 — confirmed in the company’s current Bylaws filed with the SEC. It is the parent of Wells Fargo Bank, N.A. and the ultimate corporate parent of the Wells Fargo enterprise. It is not the bank. A complaint that names “Wells Fargo & Company” requires service on Wells Fargo & Company — through CSC in Wilmington, or through other authorized mechanisms for Delaware corporations. That service event does not reach Wells Fargo Bank, N.A. The inverse is equally true. Complaints that name “Wells Fargo Bank” without the “N.A.” designation or without distinguishing between the bank and the holding company create entity ambiguity that Wells Fargo’s litigation department is trained to exploit.
Wells Fargo’s Exhibit 21 to its most recent Form 10-K discloses a corporate family extending across dozens of separately incorporated operating subsidiaries. Each is a distinct legal entity requiring its own independent service event. The primary sources of service error: Wells Fargo Clearing Services, LLC (the broker-dealer successor to First Clearing, LLC); Wells Fargo Advisors Financial Network, LLC (independent financial advisor broker-dealer); and Wells Fargo Securities, LLC (investment banking and capital markets operations, headquartered in Charlotte, North Carolina). Securities, investment, and capital markets litigation frequently names these subsidiaries rather than the bank — and service on Wells Fargo Bank, N.A. does not bind any of them. Each requires a live Secretary of State verification and its own service event in its state of organization.
Wells Fargo Bank International, incorporated in Ireland, serves the bank’s European operations. U.S. proceedings naming Wells Fargo Bank International require Hague Convention service — Ireland is a Convention signatory, and Article 5 service through the Irish Central Authority takes 2–4 months. Domestic U.S. service on Wells Fargo Bank, N.A. does not reach Wells Fargo Bank International. Initiate Hague service early. Wells Fargo also maintains international branches in London, Hong Kong, Dubai, Singapore, and other financial centers; branch service obligations differ from subsidiary service and require jurisdiction-specific verification.
In September 2016, Wells Fargo disclosed employees had opened approximately 3.5 million unauthorized customer accounts. Regulatory fallout: OCC consent order, CFPB penalty of $100 million, February 2018 Federal Reserve asset cap of $1.95 trillion (lifted June 2025), and December 2022 CFPB restitution order of $3.7 billion. From 2018 through 2025, Wells Fargo operated under more simultaneous federal and state consent orders than any other major U.S. bank. Undisputed Legal has served Wells Fargo entities in OCC enforcement proceedings, CFPB administrative actions, Federal Reserve supervisory matters, and concurrent civil litigation throughout that span.
Every Wells Fargo assignment runs through the same verification-first protocol. Undisputed Legal has executed complex corporate process service on major financial institutions in all 50 states and 120+ countries.
On time-sensitive matters, call (212) 203-8001 before dispatch for expedited entity verification and rush scheduling. For Hague Convention service on Wells Fargo Bank International or other international Wells Fargo entities, Undisputed Legal coordinates through our network across 120+ countries, including Central Authority and direct service channels where available.
The table below reflects the primary service points for Wells Fargo Bank, N.A. and key Wells Fargo & Company entities. Verify every entry against current FFIEC records or the applicable Secretary of State filing before service. Registered agent companies update office addresses through regulatory filings without public advance notice.
| Entity | Type | Jurisdiction | Registered Agent | Service Address |
|---|---|---|---|---|
| Wells Fargo Bank, N.A. (main office) | Federal national bank | South Dakota | OCC-designated main office | 101 N Phillips Avenue, Sioux Falls, SD 57104 — verify via FFIEC NIC (RSSD 451965) |
| Wells Fargo & Company (parent) | Delaware corporation | Delaware | Corporation Service Company | 2711 Centerville Road, Suite 400, Wilmington, DE 19808 — confirm DE Division of Corps |
| Wells Fargo Clearing Services, LLC | Broker-dealer | Verify state of org. | Verify SoS for state of organization | (Confirm current SoS registered agent before service) |
| Wells Fargo Securities, LLC | Investment banking broker-dealer | Verify state of org. | Verify SoS for state of organization | (Confirm current SoS registered agent before service) |
| Wells Fargo Bank International | Ireland corporation | Ireland | Hague Convention — Central Authority | Irish Central Authority (Article 5); Article 10(a) direct mail where available |
Do not rely on this table alone. Verify the bank’s main office from FFIEC records before each assignment — main office designations are subject to OCC notification. Broker-dealer subsidiaries require live SoS verification; their registered agents are disclosed in the Wells Fargo 10-K Exhibit 21.
Under FRCP 4(h)(1)(A), a corporation may be served in the manner prescribed by state law for the district where the court sits. Under FRCP 4(h)(1)(B), service is validly effected by delivering process to an officer, managing agent, general agent, or registered agent authorized by law to receive service. For Wells Fargo Bank, N.A., FRCP 4(h)(1)(A) requires identifying whether the service state has bank-specific service rules — national banks are not state corporations, and the incorporated state corporate service framework does not automatically apply. Service must be completed within 90 days of filing the complaint under FRCP 4(m). In consumer protection and mortgage enforcement matters, entity fragmentation and stale address data consume that window.
Under 12 U.S.C. § 94, suits against national banks may be brought “in the Federal or State court held within the district in which such association is established or located.” Wachovia Bank, N.A. v. Schmidt, 546 U.S. 303 (2006), confirms that a national bank is “located” only in its main office state — not in every branch state. Wells Fargo Bank, N.A.’s main office is Sioux Falls, South Dakota. The District of South Dakota is the appropriate federal venue for direct claims against the national bank under 12 U.S.C. § 94. Claims against Wells Fargo & Company (the Delaware holding company) are not subject to 12 U.S.C. § 94. 12 CFR § 7.4002 provides the OCC’s regulatory framework for national bank service of process, including the bank’s authority to designate agents to receive service in states where it operates.
Wells Fargo & Company is incorporated in Delaware. Under 8 Del. C. § 321, every Delaware domestic corporation must maintain a registered agent in Delaware. Wells Fargo & Company’s registered agent is Corporation Service Company at 2711 Centerville Road, Suite 400, Wilmington, DE 19808 — confirmed in the company’s Bylaws and verifiable via the Delaware Division of Corporations before each assignment. Service on the Delaware holding company’s registered agent does not bind Wells Fargo Bank, N.A. or any operating subsidiary.
For New York proceedings involving Wells Fargo broker-dealer subsidiaries organized in New York, CPLR § 311(a)(1) governs service — delivery to an officer, director, managing agent, cashier, or registered agent authorized to receive service. For Wells Fargo & Company as a foreign Delaware corporation doing business in New York, BCL § 307 authorizes service through the New York Secretary of State as statutory agent, or by direct delivery to the corporation’s authorized registered agent in New York.
California provides a bank-specific service path under CCP § 416.10(c): a corporation may be served by delivering process to its cashier or assistant cashier — a provision specifically applicable to banking institutions. For Wells Fargo Bank, N.A. in California state court proceedings, service on the state-verified registered agent under CCP § 416.10(a) is the standard path, but the cashier-service alternative under subsection (c) is available for bank entities. California is Wells Fargo’s home state; its registered agent designations there are subject to change through SoS filings — verify the current agent before dispatch, not from the prior-case file.
Wells Fargo Bank International is incorporated in Ireland, a Hague Convention signatory. U.S. proceedings naming Wells Fargo Bank International require Hague compliance under FRCP 4(f)(1). Article 5 (Central Authority channel) routes service through the Irish Central Authority and takes 2–4 months. Article 10(a) (direct mail) requires confirming current Irish practice before selection. Domestic U.S. service on Wells Fargo Bank, N.A. or Wells Fargo & Company does not reach Wells Fargo Bank International. Initiate international service early — Hague timelines do not accommodate deadline-driven requests.
After valid service, Wells Fargo Bank, N.A. and Wells Fargo & Company must respond within 21 days in federal court (FRCP 12(a)(1)(A)(i)), or 60 days if service is waived (FRCP 4(d)). State windows: 30 days in California (CCP § 412.20), 20 days in New York (CPLR § 3012), 20 days in Delaware (Del. Super. Ct. Civ. R. 12). Response windows run from the date of valid service only — defective service does not start the clock.
Consult with a licensed attorney to determine the appropriate service method and applicable statute for your specific jurisdiction, claim type, and the correct Wells Fargo entity before initiating service.
Identify the entity first — address lookup comes second. Your complaint names either Wells Fargo Bank, N.A. (the federally chartered national bank), Wells Fargo & Company (the Delaware holding company), or a specific subsidiary such as Wells Fargo Clearing Services or Wells Fargo Securities. These entities are not interchangeable for service purposes. Determine which entity is named, then route accordingly.
Serving Wells Fargo Bank, N.A.: The bank’s primary domestic service address is its main office at 101 N Phillips Avenue, Sioux Falls, South Dakota 57104, under its OCC designation. Personal delivery to the designated registered agent in the service state satisfies FRCP 4(h)(1)(B) for federal proceedings. In California state court actions, CCP § 416.10(c) permits service on a cashier or assistant cashier of the bank as an alternative to registered agent service. Do not direct service to 420 Montgomery Street, San Francisco — that is the holding company’s executive office, not a registered agent location for the national bank. Do not serve at any retail branch — branch employees have no authority to accept legal process on behalf of the bank entity.
Serving Wells Fargo & Company: The Delaware holding company’s registered agent is Corporation Service Company at 2711 Centerville Road, Suite 400, Wilmington, DE 19808 — confirmed via the Delaware Division of Corporations and the company’s SEC-filed Bylaws. In New York proceedings, service may also be effected through the New York Secretary of State under BCL § 307. The 420 Montgomery Street San Francisco address is the principal executive office — it is not the registered agent location for the Delaware corporation, and delivery there does not constitute registered agent service.
Subsidiary decision tree: Wells Fargo Clearing Services, LLC — verify state of organization via the Wells Fargo 10-K Exhibit 21, then confirm the current registered agent via live SoS records. Wells Fargo Securities, LLC — same process; it operates from North Carolina but verify the state of organization before assuming the service jurisdiction. Wells Fargo Bank International (Ireland) — initiate Hague Convention service under FRCP 4(f)(1) immediately; Article 5 through the Irish Central Authority is the standard channel and takes months. Do not attempt domestic U.S. service on an Irish entity.
For the most frequently mis-served major bank in America — one where the national bank charter, the South Dakota main office, and the Delaware holding company each independently void service when confused — the cost of a defective affidavit is not the re-service fee. It is a 12(b)(5) motion from a litigation team that files them routinely, a scheduling order derailed, and a service window that kept running. The comparison:
| Option | Cost | Risk |
|---|---|---|
| Local counsel per state | $500–$2,000+ per state | National bank charter distinction missed; Sioux Falls venue not flagged; no GPS documentation standard |
| DIY service | Filing fees only | Wrong entity (bank vs. holding company), wrong jurisdiction, retail branch service, no GPS affidavit to survive 12(b)(5) |
| Undisputed Legal | Flat rate below — GPS-verified, nationwide | Minimized — FFIEC verified, entity routing confirmed, correct registered agent, GPS affidavit on every attempt |
| Service Level | Price | Timeframe |
|---|---|---|
| Routine Service | $100–$150 | First attempt within 3–7 business days |
| Rush Service | $200–$250 | First attempt within 24–48 business hours |
| Same-Day Service | $250–$300 | First attempt same business day |
| Stake-Out Service | $325–$425 | 1 hour on-site included; additional hours $100–$150/hr |
| Skip Trace | $75 | Address verification for unlocatable agents or officers |
All service levels include GPS-verified records and a notarized affidavit. For multi-entity Wells Fargo service involving both the bank and holding company on a single order, contact us for coordinated scheduling. For a full overview of our corporate service capabilities, see Corporate Process Service: A Complete Guide.
Wells Fargo Bank, N.A. is the federally chartered national bank — the entity that holds deposits, issues mortgages, provides commercial banking services, and operates the 4,230-branch retail network. It is supervised by the OCC and organized under the National Bank Act. Wells Fargo & Company is the Delaware holding company that owns Wells Fargo Bank, N.A. and dozens of operating subsidiaries. It is publicly traded on the NYSE as WFC and supervised by the Federal Reserve as a financial holding company. They are legally distinct entities with separate registered agents and separate service rules. Service on Wells Fargo & Company does not bind Wells Fargo Bank, N.A. Most retail banking and mortgage claims involve the bank entity. Securities and investment claims involve Wells Fargo Clearing Services or Wells Fargo Securities — broker-dealer subsidiaries requiring their own independent service events.
For federal banking law purposes, Wells Fargo Bank, N.A.’s main office is 101 N Phillips Avenue, Sioux Falls, South Dakota 57104 — designated with the OCC and confirmed in FFIEC records under RSSD 451965. This is the legally operative main office for purposes of 12 U.S.C. § 94, which controls federal venue for suits against national banks. Wells Fargo & Company (the holding company) maintains its principal executive office at 420 Montgomery Street, San Francisco, CA 94104. The San Francisco address controls for holding company matters and SEC reporting, but it does not control venue or service address for claims against the national bank. Attorneys filing in the Northern District of California against Wells Fargo Bank, N.A. under 12 U.S.C. § 94 may be in the wrong district — the District of South Dakota controls for direct national bank claims.
No. A Wells Fargo retail branch — any of the 4,230 domestic locations — is not a registered agent office and has no authority to accept service of process on behalf of Wells Fargo Bank, N.A. Tellers, branch managers, assistant managers, and other branch employees cannot accept legal papers with legal effect on the bank. Delivery to a branch employee does not constitute valid service under FRCP 4(h), CPLR § 311(a)(1), or any comparable state service statute. Branch employees at Wells Fargo routinely receive misdirected legal papers and transfer them internally without creating a valid service event. Service must be made on the bank’s designated main office at 101 N Phillips Avenue, Sioux Falls, SD, or on its registered agent in the applicable service state — not on any retail banking location.
Wells Fargo Bank, N.A. is a national bank — not required to maintain a registered agent in every state under state corporation law the way state-incorporated entities are. It designates authorized service agents in states where it operates, verified from live state banking regulator records or SoS filings. The primary federal service address is 101 N Phillips Avenue, Sioux Falls, SD 57104. Confirm the current registered agent from FFIEC National Information Center records or the relevant state regulator before dispatch — do not reuse an agent from a prior Wells Fargo matter without re-verification. Undisputed Legal verifies from live records on every assignment.
Each Wells Fargo subsidiary requires an independent service event against its own registered agent — service on Wells Fargo Bank, N.A. or Wells Fargo & Company does not bind any subsidiary. For Wells Fargo Clearing Services, LLC, Wells Fargo Advisors Financial Network, LLC, and Wells Fargo Securities, LLC, the first step is confirming each entity’s state of organization from the Wells Fargo 10-K Exhibit 21, then performing a live Secretary of State verification for the registered agent in that state. Do not rely on prior-case service instructions — registered agents for major financial services subsidiaries change through SoS filings without public notice. For Wells Fargo Bank International (Ireland), Hague Convention service under FRCP 4(f)(1) applies — initiate through the Irish Central Authority and plan for a 2–4 month timeline.
The Federal Reserve’s February 2018 consent order capping Wells Fargo’s total assets at $1.95 trillion was lifted in June 2025 after seven years. The cap is no longer in effect. Its relevance to service now is historical: from 2018 through 2025, the cap generated a sustained volume of parallel administrative and civil proceedings — OCC enforcement, CFPB actions, Federal Reserve supervisory proceedings, state attorney general investigations, and private civil litigation — that made Wells Fargo the highest-volume service target among major U.S. banks. The regulatory overlay created service complexity specific to that period. For current matters, the cap’s removal does not change the fundamental service structure: the bank is still a federally chartered national association, its main office is still in Sioux Falls, and Wells Fargo & Company is still a separate Delaware entity requiring separate service.
The 2016 unauthorized accounts disclosure and its regulatory aftermath do not change the mechanics of service on Wells Fargo Bank, N.A. or Wells Fargo & Company. The bank’s main office is still in Sioux Falls, CSC is still the registered agent for the holding company in Wilmington, and the entity separation rules still apply. What the scandal created is volume: thousands of consumer restitution and civil claims from 2016 through 2025 generated sustained service assignments in federal and state courts nationwide. Every Undisputed Legal assignment throughout that period has used the same FFIEC-verified, GPS-documented protocol.
Under 12 U.S.C. § 94, suits against a national bank may be brought in the federal or state court within the district where the bank is “established or located.” The Supreme Court held in Wachovia Bank, N.A. v. Schmidt, 546 U.S. 303 (2006), that a national bank is “located” only in its main office state. Wells Fargo Bank, N.A.’s main office is in Sioux Falls, South Dakota — placing the District of South Dakota as the operative federal venue for direct national bank claims under 12 U.S.C. § 94. Claims against Wells Fargo & Company (the Delaware holding company) are not subject to 12 U.S.C. § 94 — that statute applies to national banks, not holding company parents. This distinction is most consequential in mortgage litigation, FDCPA actions, and consumer protection matters where the named defendant is Wells Fargo Bank, N.A. rather than the holding company.
Wells Fargo Bank, N.A. is a federally chartered national bank with its main office in Sioux Falls, South Dakota — not a state corporation, not a California corporation, and not interchangeable with its Delaware holding company parent, Wells Fargo & Company. Entity identified from FFIEC records on every assignment. Registered agent confirmed from live Delaware Division of Corporations records for the holding company and from live state records for the bank. GPS-verified process delivered to the correct entity. Notarized affidavit in your inbox within 24 hours.
We do not dispatch on Wells Fargo without confirming which entity the complaint names and verifying the current registered agent from live federal and state records. For multi-entity Wells Fargo service across the national bank, holding company, broker-dealers, and international entities, Undisputed Legal coordinates under a single case manager. For the framework that applies across all major financial institution defendants, see Complex Corporate Process Service — Advanced Legal Strategies.
Undisputed Legal Inc. is headquartered at One World Trade Center, 85th Floor, New York, NY 10007. Place your order online or call (800) 774-6922 for time-sensitive matters. Service on Wells Fargo Bank, N.A. and Wells Fargo & Company begins as soon as your order is submitted.
Every day you wait is a day closer to a missed deadline. Statutes of limitations run. Discovery windows close. Wells Fargo’s legal team is already prepared — are you?
Order Service Online — Upload your documents and we begin immediately.
Call (800) 774-6922 — Speak with our team for rush or same-day service.
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Don’t let improper service destroy your case against Wells Fargo. Hire the professionals who do this every day.
Undisputed Legal Inc. maintains active membership and affiliations with the following professional organizations: National Association of Professional Process Servers (NAPPS), United States Process Servers Association (USPSA), National Association of Legal Support Professionals (NAOSP), Better Business Bureau (BBB) A+ Rating, New York State Unified Court System, DCWP Licensed Process Server (NYC), International Association of Professional Process Servers, National Notary Association, American Bar Association (ABA) – Allied Member, New York County Lawyers Association, Brooklyn Bar Association, Queens County Bar Association, Bronx County Bar Association, Staten Island Bar Association, Westchester County Bar Association, and Nassau County Bar Association.
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“Quality is never an accident; it is always the result of high intention, sincere effort, intelligent direction, and skillful execution; it represents the wise choice of many alternatives”– Foster, William A
How long does service take?
Routine service is typically completed within 3–7 business days. Rush service is generally attempted within 24–48 hours.
How many attempts are included?
Standard service includes up to three attempts at different times of day when required.
Will I receive proof of service?
Yes. Once service is completed, the signed affidavit will be uploaded to your secure portal.
What documents are required?
You must upload court-stamped documents or finalized copies ready for service.
Can I track the status of my case?
Yes. Log into your account at any time to view your case timeline and attempts.