The CA has to provide a copy of the original agreement signed by the alledged debtor. It must nclude everything agreed to, such as interest rate, fees, attorney fees (if any), etc. Then an accounting of the account for every penny charged, payment made, interest and fee.

See Spears vs. Brennan, which says in part (they only provided a copy of the original agreement)

"The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears’ loan, including a 17.99% annual interest rate and the original loan amount of $2,561.59. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least $350.00 more than the original loan amount."

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If the CA can't provide it, the know they will lose in court and then go run away and mug old ladies for change.

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