Roberteg,

There is a difference in how an account can be sent to a collection agency. If the origiinal creidtor owns the debt the they can assign the account to the colelction agency.. The original creditor can recall the debt for a variety of reasons. The other way it can go to a collection agency ( Factoring company)  is when the orginal credotor selles the debt to a collection agency (Factoring company). The first can be recalled the recalled.