they are offering you a contract. you can accept a contract or refuse it. corporations are really debtors but PRETENDING to be creditors, they are offering for you to pay their debt by switcing the tables and making you a offer knowing you will either default or accept and place yourself in the position of debtor. the offerer is always the debtor but they switch it around. by accepting their offer, they have to prove there was a equal exchange in the contract, thus the statement "prove up the claim". they have no claim and will never swear they lent you money. (gold or silve coin)