Credit cards are just that “credit”.
Banks can not lend their credit, says the US Supreme Courts.
Banks can only legally lend depositors money.
Credit card companies do not have any substantial depositors. Therefore are left to lend their credit.
That is why for 20 years we have not seen an original bank officer defend their position of “we want our money back”.
That would set a president, expose electronic counterfeiting, that is the last thing they want.
To avoid a precedent they always sell the debt to a debt collection firm.
These firms fail to notify the court that the original party no longer has an interest in the debt (due to it being sold.)
So essentially they have no witnesses that can be called as “fact witnesses with personal knowledge” to verify the debt or services alleged.
They sometimes hire a stooge to pretend that he works for the original bank.Â With a little smoke an mirrors and a threat to call the sheriff to check out his story really gets these guys red faced, squirming, and wishing they wore black pants.
The only evidence witness is the Defendant (YOU).