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Maybe an "affirmative defense" or "motion to strike" since you do not have the "facts" to make an assesment of your role, if any, in this alleged debt. Sorry to hear of your misfortune. Try to calm down and take some time to research and file your motions. These debt attorney skanks prey on people all day long and they know that most people don't know what to do even answering their complaint. If you file a motion to strike or dismiss or demmuer then a court date will be set for that hearing. at which time you may want to move the court to grant you discovery so you can research what is really going on. Just because the creeps allege all of these things in their complaint does not mean they are correct by any means. Reading the complaint word for word and getting familar with "legaleze" will help to start to understand what they are trying to pull. If you don't answer their claim then everything in the document they allege is "Admitted". If there is anything at all that you believe is false then "Deny" would be your answer. If you really don't know what they are talking about then "Without Knowledge". Each numbered paragraph that is their allegation that demands "answers". If you can afford a competent consumer advocate attorney that would also help. The debt attorneys can be beat or at least dealt with effectivlly by knowing the game, therein lies the rub, ther is allot to learn, not allot of time to learn it. Getting with your local law library will help as well.
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