Discovery is when each party gets to ask the other party about the basis for their claims. Each side can ask for documents and witnesses to support their position. Don’t be shy. Ask the judge to order discovery in your case. If the judge orders discovery, be sure to ask the other side (in writing) to produce all documents that they have to establish that 1. They own your debt; 2. That the balance that they are seeking is accurate. Without these two things, the debt buyer has no way to prove its case. Some times, at trial, the debt buyer will not send a witness to court and the court will rule in your favor.