This is the question that wins cases.
To win, a debt buyer must prove:
- A valid contract existed
- You breached the agreement
- The amount owed
- They own the debt
Key Documents They Should Have
- Original credit card agreement
- Cardmember terms
- Account statements
- Charge-off statement
- Bill of sale
- Assignment records
- Affidavit of ownership
Common Weaknesses
- Missing signed contract
- Generic bill of sale with no account-level data
- Incomplete chain of assignment
- Affidavits based on hearsay
- Wrong balance
If they cannot prove ownership, they lack standing.
No standing = dismissal.
