ALMON, Justice.
On August 8, 1987, Gator Leasing, Inc., filed an action against Leland Creel, alleging that Creel owed Gator Leasing $7,126.58 on a promissory note. Gator Leasing served Creel by certified mail at an address in Gulfport, Mississippi. The certified letter was delivered on August 24, and Creel, pro se, filed the following "Answer to Complaint" on September 14, 1987:
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