monken, affidavit is not a proofs at all. in some state, u might need to file a motion to strike affidavits. i know in NY, all one has to do is let the case goes directly into trial, and tell the judge u weren't shown the actual bill of sales, assignments. they need to be the actually documents, not affidavits or some sort of "computerize", "typed" documents that said "bill of sale" w/o your credit card company's letterhead. u can file a motion to subpean all the witness mentioned in the affidavits. inorder for them to be legally collect from you. they need to provide your credit card agreement with your signature, all the books and record for the credit card (all statements or even charges, payments), assignments, bill of sales, titles of chain.. most of these junk debt buyer would drop the case even before trial starts. they know they don't have anything solid to prove, so they are trying to pressure u to pay up b4 it gets to trial. but you would have a better chance to let it goes thru the trial and let the judge dismiss the case with perjudice, so it can't be reopened (resue u again).