Does this count as validation?

Yep,that is validation per most courts. You really don't need original contract unless the lawsuit specifies written agreement.Look at the final balance on the account and compare it to what they are collecting on.If both balances are correct,it has met the test.If this was me I would call American Express to discuss the account as they rarely sell their paper and they already have inhouse repayment plans.Ask them about the oasis program.

But if my account is charged off, wouldn't American Express just tell me to deal with nco?

Not really,charge off is just an accounting term.As long as they own the account they could still work things out for settlement. I know they rarely sell their paper.

i actually work for amex and when a account is sent to a collection agency you can still make a payment through amex. you would just have to let the collection agency know that you are paying us directly

thanks Cajun and Brittanie. I would much rather deal with amex. Although about 6 months ago when my bills started getting behind, I tried calling amex and the person I talked to was very rude to me and said that if I didn't pay off the entire past due amount RIGHT NOW that i would keep getting charged $39 a month plus interest

yeah it basically comes down to who you talk to now see if you called in to me i would be happy to take your payments and everything from you and see if we could get something worked out for interest..but thats just me...not everyone here is willing to help others out...just depends on who you get,, and what country they are from lol

I'm leaving for work now, but brittanie, feel free to PM me and I'll be happy to work together with you

ok i will pm you sometime tomorrow and if i forget, cause i am really busy at work, please pm me and i will see what i can do for you

Where are ya brittanie? I've tried getting a hold of you a couple times and haven't heard back. I REALLY would like to get this matter straightened out