[Ice]

You keep referring to the "debt"... who cares about the alleged debt!?!?



You had an "agreement" with them and they breached it from the get go. YOU funded the loan... they did not (note Par 3 states "loan agreement"... yeah, right, prove they loaned you something!! ) They didn't risk anything. They changed the original agreement and that makes it a "forgery". Your signature isn't on it (look up "signature").



I've said this before and I'll say it again -- attack the FRAUD.



Why not answer by simply stating that upon production of the original promissory note you will PAY the debt?? They won't produce it -- and if they do, it has been altered making it null and void... a "forgery" and a "fraud". And now they are attempting a fraud upon the court. Bogus claim - bogus suit.



And it would be okay to acknowledge that you sent the PN... that is just more "proof" that you were within the Law.