My wife had a debt with MBNA, the debt was purchased by CACV of NJ. She was sued by Bronson and Migliaccio (CACV of NJ Collection Lawyers) and a judgement was awarded. Wage garnishments were started in Jul 2008, to date she has paid approx. 80% of debt. Last month she recieved a letter from Fein, Such, Kahn & Shepard, P.C.stating she owed then the original amount of the debt. We requested a validation of debt, the reply was, "They were substituted on the judgement", "And entire amount of judgement was due to them".