04-26-2012 03:03 AM
04-26-2012 05:18 AM
There are two types of CAs: those that own the debt and those who are assigned the debt. Both are allowed to collect, both can report, and both can sue. In short, that CA can call, bug, and collect. Now if assigned, you can always ask the OC to recall the debt and see if they are willing to accept a payoff for doing so. Otherwise, send a DV to the CA. If they verify and you agree, then send a PFD to the CA (not the OC because they don't report).