Transcription of PROOF OF CONSUMER CREDIT INDEBTEDNESS
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PROOF OF CONSUMER CREDIT INDEBTEDNESS
_____ _____ FEDERAL TRADE COMMISSION PROTECTING CONSUMERS IN DEBT COLLECTION LITIGATION ROUNDTABLE December 4, 2009 PROOF OF CONSUMER CREDIT INDEBTEDNESS DR. ERIC M. BERMAN, ESQ. Eric M. Berman, 500 West Main Street, Suite 212 Babylon, New York 11702 Table of Contents Executive Summary.. i 2 The CONSUMER CREDIT Transaction Complaint.. 3 Signatures.. 7 The Charge-off Balance Best PROOF of the Debt.. 01 The Right to Dispute the Debt.. 11 Account Stated.. 31 Real Party in Interest.. 71 Electronic Business Records.. 52 Asset Buyers and Electronic Business 72 Conclusion.. PROOF of CONSUMER CREDIT INDEBTEDNESS Dr. Eric M. Berman, Esq. Executive Summary 1. Introduction CONSUMER CREDIT INDEBTEDNESS occurs when a CONSUMER uses available CREDIT to make purchases, obtain services or take cash advances, and then fails to pay it back.
Dec 04, 2009 · The contract is created by the issuance of a credit card and contract to a cardholder which the cardholder accepts each time he uses the card. The cardholder’s use of the card, not his signature on a contract or application, accesses the credit and creates the obligation to repay the credit used plus contractual interest and fees. 4.
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