the docs they sent ... EXHIBIT A every statement from citibank 2008 - 2011 even tho account closed in 2010 continued to send statement ~*~ the Declaration of Testimony in lieu of Personal Testimoney and Order that copies be accepted in lieu of Originals ~*~ I have the CCP1987( ready to send (I was going to send Overnight Express Mail with Signature) to the person they declare on their ccp98 ... to the H&H Address **IN CARE OF** as they do not provide a address for this "witness" ~*~ H & H Attorney "Donald Sherril" faxed yesterday JOINT TRIAL READINESS CONFERENCE REPORT claiming CCP 98 Declaration in Lieu of Dorothy Ruiz Testimony Copies of Billing Statements (which show payments made) it state "COPY OF THE CONTROLLING CREDIT AGREEMENT" ... there is nothing that I see that shows a "signed agreement" just states: Plaintiff issued credit to Defendant ... BY USE OF THE CREDIT ACCOUNT the DEFENDANT AGREED TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH IN THE ACCOUNT AGREEMENT. That's all it states about an "agreement" and Our Document of evidence of Financial Hardship ... it was not a PERSONAL account it was a BUSINESS ACCOUNT. We show Tax losses of over million dollars. An offer has been submitted to pay 10% of the debt ($23,000. / $2300) This is where we are at this point. Hope this helps!