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Cute_chick,
I have to agree with Jerseee on this. You need to be asking questions that cannot be answered. This guy may be incompetent and so what if he can't be taken seriously. Most of these guys don't know any real law just form. Like Jerseee says make him prove his claim and do not argue. Accept everything upon proof of claim. That is what I do and as you know Discover Card has sent me a few letters asking for FRNs. I think you saw the letter I posted under "Paying with a CPN." I have had no response to that letter and I expect none because they cannot prove their claim. Do not get frustrated and just answer their questions with your own. If you argue you will lose, so don't.
iamfreeru2
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