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I'm Lucy, and I'd be happy to answer your questions today. I'm sorry to hear that you're being sued.
What questions do you have about affirmative defenses? Can you tell me a little more about your situation? Most of the affirmative defenses only apply to certain factual scenarios, so it would help to have more information to know which defenses might be successful. It would also help to know when you incurred the debt and when you stopped paying.