The Account / Debt Was Sold From The Original Creditor to A Debt Collector - What Now

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• What If The Original Creditor Still Has The Debt or Shows On The Credit Report

  If the debt has been "discharged" or shows something similar on one's credit report, the debt note has been sold to a third-party debt collector already. While the debt collector may not have reached out to collect the debt yet, one may still send a ...

• Are Certain Original Creditors Harder to Delete The Debt Than Others?

  When the debt is held still by the original creditor and it hasn't been sold yet (e.g. 90 days past due), then the original creditor who servicing the debt can matter.  On the other hand, if the debt has been sold, then the original creditor does not ...

• The Debt Collector / Attorney / Law Firm Says They Represent The Original Creditor

  Unless they are the original creditor themselves - this is doubtful. The debt collector can legally say they “represent the original creditor” because a debt buyer may go forward under the authority of the original creditor to pursue a debt. Thus, ...

• Judge Said Original Note Is Not Necessary | Verification of Debt

  This is a blatant misrepresentation to keep one from exposing the truth. The Judge is in most cases using the words VALIDATION and VERIFICATION interchangeably, but they are very different in their meanings. The Chaudhry v. Gallerizzo case upheld a ...

• The Collection Agency Sent The Account Back To The Original Creditor

  Despite what a letter may say (see example attached) about a debt collection agency "returning the account to the original creditor" - it's just not true. Should one receive a reply like the attachment, continue with the debt removal steps as usual ...