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  1. hi! New here and trying to figure out what to do. would love input of this amazing group of people! I have an attorney but not sure am getting the best advice. Trial set for two weeks away. B of A suing through Nelson & Kennard. I've been told that since a law passed in 2014 requiring junk debt collectors to have more documentation to get their money, that card companies can no longer sell their debt as easily and so they are holding on to the debt and going after it more aggressively with firms like Nelson & Kennard. They produced statements and as well have an affadavit from