What's happening
Discovery is the phase where each side has to show its evidence. This is where debt buyers often fall apart, many can't produce the original signed agreement or a complete record showing they own your account.
What to do about it
- Send written questions and document requests to the collector
- Ask for the original agreement and the full chain of ownership
- Answer their requests carefully and on time
What would help right now
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If you want to understand it
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