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The purchaser of a debt only has the rights of the original creditor, and must produce the debt instrument, which may or may not be a contract. Proof of the contract terms and breach of the terms must also be produced. Rarely does a debt collector purchase anything other than a promissory note or credit card debt.

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Q: How can a purchaser of debt sue for unjust enrichment thereby claiming the rights via assignment of the prior debt holder when they are not producing the contract?
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