My question involves collection proceedings in the State of: Tennessee, I am being sued by a JDB . Appears they purchased my loan, as with the Civil Summons served me, they are shown to have this now defaulted loan of $6,295.00. I have researched this, there are some defenses, but an attny friend of mine said it will just boil down to , 1)do they have the signed contract, may not even need orig, just a copy (wow, for real, that's are system?) and 2)make them show assignment, they should be able or I would have a defense there, it was a Capital One auto loan. They will ask if this is my signature (if goes to trial) and I will most likely lose if they have the signed contract and maybe 50/50 at best if they have no signed contract, but just a statement. The JDB affidavit is signed by their custodian, and there is an exemption for hearsay, for them, but there is also something called "account stated" that I would like to know if it would be a good affirmative defense, as I have no financial relationship with the JDB/Portfolio Recovery Associates, nor do I have an "open account" with them, so the hearsay exemption for custodians would not apply, as I understand the law (not sure if Tennessee would recognize this!) and I should be able to ask/file a Motion to Strike that Affidavant as Hearsay, and perhaps move for Summary Judgment if they have no docs/no proof, am I anywhere near correct? help, court is 2 weeks from now!