What does 'service by publication' mean in this case?

It means the court approved notifying the defendant by posting the notice in a newspaper because she could not be located through reasonable efforts.

Who filed this lawsuit and when was it filed?

Regions Bank d/b/a Ascentium Capital filed the complaint on January 7, 2026.

What happens if the defendant doesn't respond after publication?

The plaintiff can move for a default judgment if the defendant fails to appear or answer within the time set by law after publication.

Court Notice — Toledo (3:26 CV 46)

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Service by publication

Affects:DefendantsCreditorsGeneral Public

A federal court granted Regions Bank's motion to serve defendant Samar Ramez Chms-Eddin by publication after finding she cannot be located despite reasonable diligence; the order allows alternative service methods under federal and Michigan rules.

Key Takeaways

Service by publication authorized for Samar Ramez Chms-Eddin
Court found defendant cannot be located after reasonable diligence
Order cites Federal Rule 4(e)(1) and Michigan Rule 2.105(J)
Case filed January 7, 2026 by Regions Bank d/b/a Ascentium Capital

Published: May 21, 2026 · today
Category: Court Notice
City: Toledo
Case #: 3:26 CV 46

Research context

19 court notice notices in Toledo (last 12 months)

View full case dossier

All filings for #3:26 CV 46 with AI case analysis

If you don't respond

If the defendant does not respond after service by publication, the plaintiff may seek default judgment; the order allows publication as the method of notice going forward (no additional deadline in the excerpt).

What to do next

1
Check the court docket
Review filings and the full Order at the Northern District of Ohio docket link provided by the court for publication details and deadlines.
2
Monitor publication notices
Watch for the court-ordered newspaper notice to confirm publication dates and any response deadline.
3
Consult an attorney
If you are the defendant or represent her, contact counsel immediately to avoid default and discuss filing an appearance.

Frequently asked questions

What does 'service by publication' mean in this case?: It means the court approved notifying the defendant by posting the notice in a newspaper because she could not be located through reasonable efforts.
Who filed this lawsuit and when was it filed?: Regions Bank d/b/a Ascentium Capital filed the complaint on January 7, 2026.
What happens if the defendant doesn't respond after publication?: The plaintiff can move for a default judgment if the defendant fails to appear or answer within the time set by law after publication.

The suggestions and answers above are AI-generated for general information only. They can be wrong, and we don't take responsibility for their accuracy. Talk to a qualified professional before acting on them.

Legal terms in this notice

Service by publication: Notifying a defendant by publishing the summons in a newspaper when personal service isn't possible.
Verified Motion: A sworn request to the court supported by a statement of facts under penalty of perjury.
Default judgment: A court decision entered against a party who fails to respond or appear in the case.

Full Notice Text

IN THE UNITED STATES 
DISTRICT COURT
FOR THE NORTHERN DISTRICT 
OF OHIO
WESTERN DIVISION

Regions Bank,
dba Ascentium Capital,
Plaintiff,

-vs-

Bravada Inc., et al.,
Defendants.

Case No. 3:26 CV 46 
ORDER AUTHORIZING SERVICE BY PUBLICATION 
JUDGE JACK ZOUHARY

The Court, having reviewed Plaintiff's Verified Motion for an Order Authorizing Service by Publication (Doc. 11), finds that Plaintiff has demonstrated that Defendant Samar Ramez Chms-Eddin cannot be located despite reasonable diligence, and that service by publication is appropriate under Federal Civil Rule 4(e)(1) and Michigan Civil Rule 2.105(J). The Motion is granted as set forth below.
1. Parties. On January 7, 2026, Plaintiff Regions Bank d/b/a Ascentium Capital (“Plaintiff”) commenced this action by filing a Complaint against Defendants, Bravada, Inc. and Samar Ramez Chms-Eddin (“Chms-Eddin”). A copy of the Complaint and other filings in this case may be obtained here: https://www.ohnd.uscourts.gov/co