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  1. Absolutely it still applies. Midland is a JDB. Junk Debt Buyer. As such,, when they but any debts, the agreements that were provided by the OCs .. original creditors... become the agreements that the JDBs are to use. Therefor the choice of law would be DE. Because that is the choice of law when the account was defaulted on and during the time Chase had this account. Now in answer to the above other questions part 2. Also what is the difference between these 2 phrases? Defendant lacks knowledge about the truth in paragraph # and is unable to admit or deny these allegations. Defendant ha
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