Legal Question in Credit and Debt Law in New Jersey

Re: Just received an information subpoena

First, PUT EVERYTHING IN WRITING. If you talk with anyone, WRITE DOWN THEIR NAME, WHO THEY WORK FOR, THE DATE, ETC. Send them a letter disputing the debt. There is a good chance the debt is NOT with the credit card company, but someone who bought the debt. They will try to get you to pay them SOMETHING - DO NOT DO IT! Not a penny!!!!!!! 1) Dispute the debt, 2) demand proof of the debt (they add charges and fees that they can not explain, or that they are not legally entitled to all the time!), 3) AFTER you get info from them, tell them, they are not entitled to collect it, as the debt is over 7 years old, and they can not report it, and if they do, you will sue them for defamation of credit. MANY of the collections people are human shit, pure scum - they LIE, and will say anything to get money out of you. I have seen people who had a few hundred on a credit card, that ends us as a law suit for 2-3 thousand. Mr. Bush's administration has de-regulated and allowed them to do almost anything they want. CHECK YOUR CREDIT REPORT!