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What has changed in the last 10-15 years?


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I'm being sued in Middle TN by Portfolio.  Havene't been served yet so I'm not sure how much or who the OC is.


I've been through this before in 2003 and again in 2008 and got rid of them without paying them a dime.  (I was around for the Art of Credit days, LOL!)


Back then a JDB couldn't establish the chain of custody and used hearsay affidavits that could be easily defeated.  Now it looks like arbitration is the way to go and I am wondering why.


Have we really been punked by 'self authenticating' documents and rules of evidence that took away our hearsay defenses?


They have a form for a 'Sworn Denial' but I'm wondering if that's enough.

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