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Facts Specific to Your Case: Finally, you need to bring up any facts specific to your case that may be in dispute. On more than one occasion I have represented clients against debt buyers where my client had paid the underlying debt in full and had proof (canceled checks type proof) that the debt had been paid. If you have paid the underlying debt or if you didnt incur the underlying debt (i.e. identity theft) then you need to make sure and raise those issues as well. They are factual disputes that should stop the judge from granting the debt buyers motion for summary judgment. One final note, after you draft your motion, make sure you file it with the court and send a copy to the debt buyers lawyer. The court usually doesnt do this for you and if you dont send them a copy they will never know you filed it. Again, draft a response that demonstrates there are still facts in dispute in your case and file it before the deadline with the court. If you can clearly demonstrate that there are factual issues that need to be resolved by the court, you should be successful in your battle against the debt buyers. photo by: quinn.anya