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Paying original debtor after sent to collections.

Posts: 26
Credits: 656.55
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Can I pay the original debtor even though my account has been sent to collections? I keep sending Debt Validation letters to the collections agencies that keep calling, but I believe they don't answer and sell my account to someone else. I don't want to deal with this for the rest of my life. I called the original debtor they say I only owe about $225 but all the CAs are saying it's $600. I'll pay what I owe, but I'm not going to pay more! These people won't even send a validation! What do I do to stop this?




OVLG Attorney
Posts: 519
Credits: 5444.35

Sub: #1 If they won't send you a validation response then most likely th
Tue, 06/01/2010 - 12:41

If they won't send you a validation response then most likely they're trying to defraud you. You should contact the original debtor and find out from them if they assigned the account to an outside collector and follow the trail from there. If the original creditor hasn't sold the right to collect on the debt to a collection agency (who would become your new creditor) then you can pay the original creditor.




mufabutt
Posts: 26
Credits: 656.55

Sub: #2 They did sell my account off. But I originally owed $225, and n
Tue, 06/01/2010 - 13:11

They did sell my account off. But I originally owed $225, and now they are saying I owe $600. Can they really mark up a debt that much? And they cannot validate it. So I'm afraid now that it's going to be sold to another CA and they won't validate and I'm going to be caught in this cycle forever. What should I do? Again, I want to pay what I owe, but I thought with Payday Loans they can't charge interest. Can CA's just charge whatever fees they want?




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