Thanks, friend and I had no agreement, and no statements were ever sent to me. Friend would bring me the top part of the bill that gets mailed in with the payment on it. That is the only time or portion of any bill I ever saw. When I would ask for the entire bill he would tell me it didn't matter. The only reason I paid was because I wanted to pay what I accrued, he and I have no agreement and I have nothing with the CC company

Ok. Then. Just tell the judge that!!

Thank you!