The original creditor can be beaten, especially if the bank was acquired, and your credit card agreement was before the bank acquisition. Its not full proof, as you just dont know what the original creditor has. That was the case with me, against two business bank accounts with Bank of America, and PNC Bank. They did not have the original contract anymore, and when faced with discovery, they did not answer, and ultimately the case got dismissed. I think this is because these accounts were business accounts, and they were literaly opened 15 years ago. I think consumer credit, is more difficult.
So try your hand. You wont know until you get to trial. What will happen is that they will more than likely not bother to answer discovery if they cant come up with anything.
I agree with what another poster said, however, pro se litigants, we have our cards stacked against us, even when we are right. From the stories I hear, pro se can win on appeal, and in a higher court where the judges or more competent, (where they read motions,etc, )