Original creditor or CA

[Kat78]

I've got medical collection for 64 dollars that i plan on sending PFD do I send to original creditor or collection department that now has account

[baller4life]

Collection agency that has the account.

[guiness56]

Who is reporting?

[Kat78]

Solutia 

[guiness56]

Is that the OC or the CA?

[Kat78]

CA that now has the account. It's original creditor was med plus.

[Whitneyy]

I was wondering the same thing, and I just wanna piggy back on this question.

After its PAID isn't the OC notified? So we'd still send letters to the CA rather than the OC? Just need this cleared up a little bit.

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@Kat78 wrote:

I've got medical collection for 64 dollars that i plan on sending PFD do I send to original creditor or collection department that now has account

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[guiness56]

You send the PFD to who is reporting and who you want to delete.

Whitneyy - If the OC still owns the debt, yes, the CA has to notify them.  If they own the debt, the CA does not have to.

[Whitneyy]

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@guiness56 wrote:

You send the PFD to who is reporting and who you want to delete.

Whitneyy - If the OC still owns the debt, yes, the CA has to notify them.  If they own the debt, the CA does not have to.

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How would you know if they still own it? I thought when it goes to a CA the CA pays my debt so I owe them.

[guiness56]

You asked if the CA notifies the OC when you paid the debt.  If the OC owns it, yes, they do.  Sometimes an OC only hires a CA to collect for them and they retain ownership of the debt.

On your CR look for something on the OC account that states transferred/sold.  Or on the CA account that says "Collecting for" or a long those lines.