“ 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