1. In theory yes. But also in theory, as long as the debt exists, they can be charging interest on the balance. I believe the law says if you request, they must provided a detailed list of all charges going back to the beginning of the problem. So if you request a detailed summary of everything from 01/01/2007, they are required to provide it for you.
2. No, they don't have to provide it in writing. Any company that makes a verbal offer and refuses to put the words to paper -- I'd be wary of them. There is no reason for you to commit to a settlement if you don't have anything in writing.
Play dumb and say you sometimes are misunderstand things. And to prevent any misunderstandings, it's important that you see what she is saying. Then ask her how you can reach her after you have visually seen the agreement. Sometimes works.
If it were me, I'd not go any further until there is something in writing! Hang in there.
