You can find sample validation letters at [url]www.creditinfocenter.com[/url]
You can find a list of affirmative defenses here:
[url]http://www.legalhelp.org/public/answering_complaint.php?PHPSESSID=bddf38d39747063d93ed5ac6035a1c3b[/url]
"Knowledge is Power - use it as you see fit !
I am not a lawyer or a member of the legal profession. My advice is based on research and experience, my own and others, some who practice law. You decide for yourself what actions you do or do not take from my advice.