Hi all, I've done a bunch of reading here but am overwhelmed so I'm going to put my story on here and if anyone has advice I'd be very grateful! Served in April 2014 by a local law firm and listing Capital One as the plaintiff. The law firm listed their disclaimers that they are a collection agency. I answered on time and denied the claims. About two weeks later I sent in a Req for Production asking for contract, terms of agreement, all statements, and payments made. The law firm responded with a copy of the contract and terms, all statements which also show payments, and a printout of what they claim to be the online application. That printout basically shows my personal info, not a contract. The debt is appx $10k and was charged off 9/2013. And 90% of the debt came over as a balance xfer about 5 years ago. The previous card company closed a few years ago. I cannot determine if this law firm owns the debt or is representing C1. They had access to all that information, but looking at the law firm website they claim to have invested a big amount of $$ into some computer system that is able to pull that kind of information from somewhere. I'd like to know if they own the debt or C1 still does. This is the point of the process I am now. No updates from the court yet. I'm thinking of filing a continuance to get more time to look everything over in close detail and do anything else that may be to my benefit. What should I do next? Can I challenge that they do not have specific knowledge of the debt? Ask for more info if anything I missed? Total newbie with this and want to do things right to win if possible. Thanks in advance!!