I Won!!! It went different then I thought but this is it... Met the lawyer he tried to settle, No thank you, he asked why I said its not my debt. He asked for more details for when we go in front of the judge I said ill give you more details when we are in front of him. We are called Philadelphia SC court the judge explained how it works, plaintiff talks then I talk then he makes a decision he said its pretty simple. JDB introduces the cc statement with his other paperwork and I object that the Plantiff has no legal standing that the statement is not notarized and that the acct number is blacked out, there is no foundation for it and that the affidavits are heresay. Quite pause...... judge looks at the lawyer as if to say " well what are you going to say?" JDB says it has my name on it the acct is blacked out for privacy issues and that is his foundation. judge says he will allow it? so now im like WTF? I argue it for a min and the judge stops the convo and askd the jdb if he has questions for me. He asks do I live there at the address, Yes have I ever seen this statement before NO, do I have an acct with OC NO could this be my acct? I asked the judge does he want me to speculate if I had an acct that I have already denied having? Judge--Is this your acct Sir --No your honor Judge-- I pay my bills sir and I hope this is not your acct!! Judge-- to jdb (throws paperwork on desk) guess what? you have nothing!! nothing signed by the defendant, no admittance by him, you have nothing! I see so much of this Junk Debt in front of me and you guys need to get your act together! case dismissed. I wanted to ask for it to be dismissed with prejudice so I said excuse me your honor. Judge--Sir don't say a word, not one word! He was mad that I won but whatever. So thank you to all the people who have helped me directly and indirectly. I have read a lot on this site and it gave me the basic knowledge to fight and represent myself accordingly. Next step? who knows?