Hello any advice on my best strategy would be a great help,any input.I have nowhere else to go.
I ran into problems paying credit cards 1/2 ago.Never had any issues before but it happened.I had to pay power bills and feed family etc.One month became two months became 6 montsh and I never would be able to catch up.It was very sad to me and never thought I would be in this kind of situation but it happened.
My debt was sold to Portfolio Recovery Associates.About 25K over 2 cards.
I google information or watch youtube videos about junk debt buyers and they make it sound so easy to beat them.Is that a "fantasy".All I hear is that its hard for Junk Debt Buyers to prove they own the debt.Is it really that hard?Would they not show up at court with proof of paperwork they paid CITICARD x amount of Dollars for my debt?Can I really just say "I never signed a agreement with tthe JDB"?
I do not know if I should even respond to the letters or if it will speed up the inevitable.I can not say the Citicard debt was not mine that they bought.I cant afford to pay so I dont know what there is to say..If they want 25K I doubt they would accept $25 a month.
I am a simple man...if you want to talk music or sports I am your guy but I am a million miles from my comfort zone.I have a feeling this is going to be a hard year 
If anybody has any advice or words of wisdom,I promise you I will appreciate and take to heart every single word.Thanks