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  1. I just received a letter here in MI again. This time it's from a Lawyer in Novi. Along with every new letter comes dozens of new questions. I was thinking I had a handle on this JDBing thing but there I go thinking again. (When will I ever learn?) The letter states that SYNCHRONY BANK owns the debt now. Here's my confusion, GE Capital owned it (OC), someone else owned it from TX, PRA owned it, btw:PRA took me to court and lost, now I get a letter saying that Synchrony Bank owns it. Well, needless to say, I'm confused. The letter was sent by a Lawyer, this is not a summon & complaint from the courts, just a letter telling me I owe them money. And just a letter too. OC is noted - Amount is noted - New owner is noted. All the pertinent information has been included. I've written a letter back requesting validation, proof of license to do business in MI and Proper Chain of Title. I'm hoping the strongly worded response letter shows them that I'm a fighter when it comes to JDBs. Maybe I can scare them off. If anyone has any other recommendations for me, let me know, I will be sending the letter out Monday the 21st.