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Is mtc and discovey a good ideal when answering a summons? I have a collections attorney trying to sue me for a little less than $3500. I have received statement copies but no proof they own the debt no contract yet, under what grounds should i file to support this? and if this law firm does not reply but still file suit what should i do? this cc account was chargred off in mid 2010 but was in default in mid 2009 . I know I'm asking alot of questions i,m just worried, Thankful for any answers