Many people contact my office and the first thing they say is, “I owe the money so how can I win this case”. Of course they then tell me that the original creditor sold the debt several times, that the amount is all wrong etc etc. When a debt buyer sues they have to prove three very important things; that YOU owe a CERTAIN amount of money to THEM. These are three difficult things to prove in court, especially if they bought the debt from someone else. Shouldn’t they have to prove that they actually bought it and that no one else will try and collect in the future? With a car we just look at the title to determine ownership, but with a debt ownership can be very unclear. When Midland, LVNV, Asset Acceptance or many others say you owe them money you need to make sure you actually owe THEM the amount they are seeking. If you have questions give the debt defense attorneys at Boevingloh & Pliakos a call.