Ok so I finally got served with a notice to go pick up the civil papers for LVNV funding vs. ME!!
The SOL would have been up on Feb. 20 of this year! So I am guessing they were on top of it. When validating the debt, they did send copies of the statements from the OC. There was not a copy of the signed agreement with the OC.
Statements signed by the OC are not specified under the FDCPA as a requirement in debt verification. You will find case law all over the place on what is required for proper debt validation. You need an attorney.