validation

By me saying I'm with a settlement program, I meant to say that I'm enrolled with a debt settlement program. Unfortunately, they cannot give me legal advice.

They are using there own internal account number or an internal number for the bank. It is really irrelevant.

It is a little too late to be asking for validation if tomorrow is the court date. Obviously they got the statements from the bank.

My first question is whether you have answered the complaint? And if so, did you bring this question up in your answer? Regardless of the jurisdiction, you should always bring up any reason why you think the party filing the case does not have a reason to bring a suit against you. Whether or not you can bring this problem up now is a jurisdictional matter. Some jurisdictions will say that you can, and others will say that certain matters have to be brought up in your answer to the complaint or the court will rule that you've waived your right to bring them up. This is a question for a collections attorney in your area.

I'm in WI. I did answer the complaint. In it, I did say not denying having an account with FNBO, but that I did question the account number that the plaintiff's attorney (Kohn) referenced in the complaint. It was not the credit card account #.

Can I ask them to prove they have an agreement with FNBO to settle the account or if they have bought the account? I have a feeling Kohn will be on the phone and not in the court room.