I have no legal knowledge of anything. But...
I doubt they would have "bought" the debt if they didn't have a rock-solid case to do whatever it is they do to collect.
See if you can't just deal with the bank directly. I had a collection agency sicced on me once (by the Alberta Government, no fault of my own, honest) and I just paid them and ignored the collection agency. That was a long time ago though.
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