regarding validation/verification of debt. Issue 1: Is a written contract required to verify a credit card debt with such contract to have the borrower's signature upon it. Issue being debt buyer/their attorney states that no signature accounts are common whereas only a telephone or other method was used to activate card and therefore, an agreement signed by the borrower is not required. Please cite case law. Issue 2: If a credit card debt is determined to be valid, must the debt buyer/their attorney provide the last statement(s) from original credit in order to verify starting point for statute of limitations and other validation of balance due? Again, kindly provide case law. These seem very basic questions, but I haven't really be able to clarify either one of the above issues. Sorry if this ground has already been covered. Thanks a lot.
Short answer to your question #1: It doesn't matter if you signed to activate a card, or verbally activated it on the phone. . . if you used the card and signed for a purtchase you have agreed to the CCard's terms and conditions. . #2: There is no set rule about what comprises proper validation, but a complete and accurate statement concerning the account should be made available to you before you agree to pay anything
