The FDCPA does not specifically state any of those things in and of itself. However, the FTC in the Wollman opinion letter and the Spears v. Brennan case, together, spell out what is NOT validation. Wollman states they must produce a signed agreement. In Spears v. Brennan, part of the decision was that a signed agreement alone is not sufficient, that a full accounting of the alleged debt, FROM DAY 1, showing all activitity that makes up the total of the alleged debt, is also required.

I don't think there's anything that says they have to produce proof they have the authority to collect the debt - and unless you ask for it in the discovery phase of a lawsuit, that agreement is something you're not going to get.

Reread your last paragraph -- BTW how is your deadend IT job going?

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