Common Defenses

“ This is not my debt”

   identity theft or unauthorized use

   mistaken identity

   authorized user of the account

“I don’t owe anymore money”

   paid in full or settled

   discharged in bankruptcy

   bought credit protection

‘I don’t owe this much money”

   disputed debt

   wrongful charges 

“I don’t have to repay the money”

   incapacity/minority

   duress 

   statute of limitations has run

“I don’t owe money to the company that sued me”

   lack of verification of debt, no proof of assignment, no standing to sue