#1 is entirely up to you. Make a decision quickly - do you want court fees tacked onto the original debt?

#2 - well, here's the thing. Contrary to popular belief, the collector doesn't actually have to do much in terms of satisfying the legal requirements. The signed (be it physical or web-based) agreement is often enough.

#3. You're not getting out of the debt by claiming an E-signature doesn't count. If that were the case, they could just as easily use it against you.

Stop playing games. You know you owe, and you're really just prolonging the inevitable and risking having to pay legal fees and interest, to boot.