I've been doing a little research. In Washington state there is some debate on the SOL for credit card debt. A written contract is 6 years, but an open account is 3 years. From what I've read, the courts treat the credit card as a written agreement, therefore 6 year SOL.
I did read on an attorney's website, though I haven't been able to find a court case yet, if they can't produce a written contract or a signature on a credit slip (anything in writing) it is then treated as an open account, ie. 3 years.
Has anyone had experience with this? If this is the case, this alleged debt owned by a JDB, is past the statute of limitations. So if they sue and can't produce anything in writing, it gets dismissed for being beyond the statute of limitations, and we can counterclaim a FDCPA violation for suing on a time barred debt?