Manser,

read what huckster wrote. It may be that the debt is unenforceable (through the Courts) because the CCA cannot be produced, or is somehow legally faulty.

The facts, however, are that you did borrow this money, and you are still liable for the debt.

So, you may be able to avoid being forced by the courts to pay this money back, but the debt wont just disappear, and your credit history will be damaged for at least the next 6 years, if not longer.

Is this the position you want to be in?