I had an account about 2.8 years ago default in Texas - it was $3,000 when I stopped being able to make payments. They've jacked it up another 1300. plus attorney fees 1023. Now bottom feeder (so I read) Arrow Financial is suing by local lawyer. This site is so amazing and thanks for all the time you guys put in. Have two questions to ask (out of 100 really!) #1 Would like to know more about their loss is their fault because they bought the debt. I saw this from your site "Plaintiff admits to purchasing the defaulted debt allegedly owned by the Defendant, causing Plaintiff's injury to its own self, therefore Plaintiff is barred from seeking relief for damages." Then make them get a person to testify to the records produce documents showing they bought the debt make them get somebody to testify to the record keeping I'm a bit concerned because from what I hear TX small claims will often cut to the chase and say stuff like making someone come in to testify about records or chain of custody isn't allowed or necessary. But how do you get off (because I do not have the $$ - been out of real work that pays anything for 3 years - just working $9/hr. jobs since) with the "you bought bad debt stupid" defense? Also - the original application was done online and a different bank charged off the account - guess they merged - nothing was signed. So I know lawyers will also blow off discovery - love the ideas you guys have here on that - awesome. I'm super sorry I couldn't pay the debt off - but I can't get my cavities filled either. #2 question from what I gather here on the forum - they'll be sending discovery - what do they generally ask - for what kind of documents and questions and what do you answer? Thanks! Thank you for who ever made this forum - wish I was smart enough about this stuff to contribute.