[acicalla]

The vod process should work for secured and unsecured debt. The fact is your asking them to produce the original note that was used in creating the credit your recieved. Most companies sell this note immediately and in order for them to have a right to collect the debt they must be the holder in due course of the note to perfect a secured interest in the note. So your VOD is asking them to verify the debt they claim by producing the original note. If they can not produce the note then they have no legal claim to the debt they are trying to collect. It's really that simple. As far as secured debt unless you know your stuff you will lose. If you know your stuff and are good in court then you could keep your assets. If it's movable property remember possession is 9/10's of the law in regards to cars if they get repoed before you've got the title from the company then you will probably lose your car. I would try this on student loans and credit card or debts that have already gone to a debt collector first and get familiar with the process on less risky stuff. Then proceed with the more difficult discharges.