I have asked for Validation, of which I have received the above as well as two statements dated Dec 2005 from Midland. I do not have any contract information, from the OC-Houshold/Arbor only this as a validation. My findings are this... 1. Attorney is licensed in this state 2. Midland is licensed in this state 3. MRC receivable is NOT licensed in this state 4. I answered the summons with denial of everyting except my name 5. I received and answered discovery requests 6. I fired back discovery with no return answers as of today 7. I ammended the answers to the summons with a counterclaim citing 8 FCRA or FDCPA violations. My questions are this??? 1. Am I doing this right? 2. Since MRC does not have licensing in this state and they are the ones suing me, do they have any ground to stand on? 3. What exactly does servicer of the account mean? I am trying to get them to settle before court, however if that doesn't happen, can I get them on the technicality that MRC is not licensed to do business in this state? These boards are great and all the experiences from all the contributors sure have enlightened me. I have increased my scores by 10% in just the last week alone. Thank you all.