When a debt is sold, resold, or transferred multiple times, the debt buyer often does not have the legal documentation required to prove ownership. This kit challenges the entire chain of custody from the original creditor all the way through every debt buyer who touched the account. Under the FDCPA and FCRA, if a debt buyer cannot prove the full transfer history and establish ownership through a complete chain of title, the account must be deleted. This advanced kit gives you the exact step-by-step letters, forms, and legal language needed to force deletion when ownership cannot be verified.
