The thing is, they probably could tell the court, if it came to that (nevermind that most people couldn't afford the time or money to take it that far). Just b

The thing is, they probably could tell the court, if it came to that (nevermind that most people couldn't afford the time or money to take it that far). Just because someone isn't being candid about why you owe them money, doesn't mean you don't still technically owe them money in a way that can be proven. I don't know if a judge would have the discretion to waive a debt that wasn't fairly "divulged".