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  1. Please Help!! Approx 2 months ago, i received a voice message on my cell phone from N&K that they were going to suit me and that that message was just a courtesy call. A few days into July, I am served papers stating that N&K filed suit against me for approx $4k near the end of June on behalf of razor capitol. I know i need to file a written response, but am at a loss on how to respond to this. I do know that razor capitol is not the original creditor and that the original creditor sold the "pool of receivables included in an electronic data file" (their words not mine). Also, in