I see. Thank you for providing this additional information, Mark.
Since this involves a credit card account, I would raise the statute of limitations as a defense typically since the SOL for open or revolving accounts is normally 3 years, even though there is a 6 year SOL for written agreements otherwise.
Here is a link to the applicable code:
Lack of privity is a valid defense, but here where the company appears to have purchased the debt, lack of privity would not typically be viable as the law does permit a company to purchase a debt from the company with thom you originally contracted, but they must be able to produce a copy of the contract.
Since they have not produced a copy of it, as well as proof that they purchased the debt, lack of privity could prevail and I would typically seek to dismiss the case based on their failure to meet their burden of proof as well.
So lack of privity, the statute of limitations, and failure to meet their burden of proof all appear to be viable defenses in this case.
I hope this helps clarify the situation for you. Please remember to rate my service once you have all the information you need so I will be compensated for my time from the deposit you posted with this website. If you have any other questions, please ask me – I’ll be happy to respond. Thank you!