What I'm suggesting is that if you are taken to court, and you understand what defense to use, they literally will lose the suit and you will win the right to h

What I'm suggesting is that if you are taken to court, and you understand what defense to use, they literally will lose the suit and you will win the right to have it removed from your credit report for good. I spoke to a lawfirm in PA who has literally won 100% of the time against Capital One in hundreds of debt cases because they can't provide the proper documentation required by law when asked to collect on their debts. They primarily rely on people being afraid or ignorant of the laws. This was mind blowing to me when I first realized it and then researched it and saw actual cases in real time be ruled for the defense.