I can't prove the debt isn't mine, so I want to settle with the collections agency. (answers.debtcc.com)
We have helped over 1.5 million customers get out of debt with our credit card relief education programs and proven debt relief services. (nomorecreditcards.com)
It also means the creditor (the company that issued the private loan, or another company that acquired the loan) have the burden of proving the debt. (consumerlawyer.mn)