One reason lawyers are sticklers for good documentation is, iff contract ever comes into question, it gets checked:https://www.documentcloud.org/documents/3762069-Decision-After-Trial-National-Colleiate-Trust.html …
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This is sort of like the exclusionary rule in criminal law, in that it probably bounces out lots of perfectly good debts but still useful.
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It's the expectation that you're going to get beaten like a drum if you've got no docs which incentivizes above-board players to have them.
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