[dattwing]

I would love to hear thoughts on an ongoing problem I'm having, I was default on a cc, then another company bought the account and sent a debt collection/lawyer firm after me. The collection side sent me a letter and now the lawyer side is involed saying I have 30 days to respond with either payment or dispute. I know there are probably lazy people trying to get a free ride but, I'm not one of those people, I just have not been able to get through the material yet and am running out of time. I have not gone through the UCC process yet, is there any hope for my situation? Would the Richard Cornforth letter in his 2002 workbook on page 40 work in this situation?