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I am being sued for a debt which is now bought by a jdb. In my answer to my summons I said that I have never done any business with the plaintiff. He told me that I do not have a chance of defending myself and that I might as well sign the stipulation of settlement agreement that they sent me. i do feel that I didn't handle this properly from the beginning because I was unaware of my rights or how to defend myself. I have the stipulation agreement, I did not return it back but after hearing this I feel that I will lose anyway. Can someone here give me any advice.

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