I went about 15 months and finally gave in to a 50% settlement an hour before the court hearing knowing then that the judge excepts a certified copy of the last monthly statement as validation and does not require an original contract agreement with my ink signature and date on it. I had watch many cases before my case and that was the case. But I have to note that all three credit card companies I was dealing with and their respective attorneys "never" produced the original contract so I suspect they are in the wrong. But they are the legal weasels that know how to play the system.
"First they ignore you, then they laugh at you, then they attack you, then you win!"
"The belief is worthless if the fear of social and physical punishment overrides the belief."