Thanks so much for your feedback. As far as proving the affidavit is a fraud, does this mean I have to prove the signer, Martha Kunkle was dead on the date it was signed? I have found her on the SSI death index, but do not have authority to order her death certificate. Would the court records from the lawsuit that spawned the class action suit be enough? I think I have to join pacer to get those. Here is a snippet from an article about the case that exposed the false affidavits: Portfolio tried to prove the debt by filing a notarized affidavit provided by a Martha Kunkle, who purported to be Providian's agent. "We made an effort to meet Martha Kunkle and verify what she said. It all kind of snowballed from there. They never made her available,'' Heenan said. The state judge ruled in Cole's favor and sanctioned Portfolio with a $6,000 penalty for disregarding his order to make Martha Kunkle and the notary public available for depositions. Further investigation found that "Martha Kunkle'' was actually her daughter, Lorraine Kunkle, a Washington Mutual employee in Texas, court records said. Lorraine Kunkle authorized other employees to sign the name "Martha Kunkle'' on thousands of affidavits, the complaint said. Martha Kunkle died in 1995 and never worked for Washington Mutual or Providian, court records said. The Cole case alleges that Portfolio and CACV bought charged-off debt from Washington Mutual and that the bank operated "a false affidavit factory. I pulled the affidavit from my boyfriends case and sure enough, it is signed by Martha Kunkle/MM.