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Why and when to file a "Sworn Denial"

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A Sworn Denial basically will eliminate the Sworn Affidavit of Account that the Junk Debt Buyer attached with your complaint. The debt collection attorney cannot rely upon a sworn affidavit of account, but must instead produce a live witness to testify about the debt.

But, should I file this with my ANSWER if they have NOT attached any affidavit to my complaint? For future use....

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