Jerseee,



It's a been a couple years since I have plunged myself into studying the Federal Rules of Evidence, but in your post above, #2 - using the CRA's inability to verify the debt as evidence - smells like hearsay, and as such would be inadmissable. There are about a billion exceptions to the hearsay rule, but I really can't see a court accepting any CRA's docs as evidence.



GENERAL HEARSAY RULE - If it is a statement made outside of court and offered into evidence to prove the truth of the matter asserted, the statement is inadmissible. Is there an exception you are aware of? Or other? (We may want to start a new thread on this one so as not to 'steal' ntellect's thread).



-squirrels