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If the JDB cannot produce


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At the least you should be asking for strict proof of the debt...meaning copies of the original agreement that created the debt, penny-by-penny credit/debit history, proof they legitimately bought it, and proof that the debt is not beyond the Statute of Limitations.

There is more if you have a counterclaim for FDCPA violations.

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I am being represented by an actual lawyer and all of those things mentioned, plus more were asked for in discovery/interogs. but there is a meeting to discuss what each side has before an actual court date is set, that is just for the lawyers, if at that time or within the time that the judge in the case allows, they DO NOT have any or very little, other than their "hand typed" accounting spreadsheets, is it probable they will go forward? Just wondering what is status quo..... so I know how much I should save up for fees.......lol

Oh and the debt it WAY past SOL, that is my affirmative absolute defense.

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JDBs don't like this particular caselaw:

Coppolla v. Arrow

This case-law laid down a whole slew of things you can require of the JDB during discovery...especially if you have a FDCPA claim.

You can get the real name and address of any one who had contact with you, not just their aliases they used and even copies of their procedure manuals.

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