I guess it just depends where you are. I am in Ohio which is very creditor friendly and the magistrate told me they do not need to provide a signed credit card agreement to win . My OC brings a witness, they have all the statements, and he said , if it is your debt, unless you perjure yourself, they are going to get the judgment.
He said they do not give much if any weight to the robosigning, or no signed agreement as many cards are issued from over the internet applications, and they rely HEAVILY on the fact that they ( OC ) produce the statements which they KNOW were sent to you in the mail.
I know him outside of the courtroom and he was trying to tell me that if this went all the way in court I was going to lose, even if I lied in court as to if I had received the statements, or denied the debt. He knew I would not perjure myself and was trying to help me see the big picture.