| http://www.w3.org/ns/prov#value | - The form, which is already used in New York City civil courts, offers 23 different options for a person to check off as a defense or other response, including I have paid part or all of the alleged debt, I dispute the amount of the debt or this debt has been discharged in bankruptcy.Carolyn Coffey, head of the Consumer Rights Project for MFY Legal Services, says that the form has been a hug
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