Shogun,

The point is the debt can be bought a collection agency or the debt can be assigned to a collection by the OC.  I worked in a business where a colleciton agency that used collection agency. The accounts would be sent to the collection agency . As needed the business could recall the account for the collection agency. Not all debt is sold to  a collection agency.  A factoring company is a debt buyer it is there debt because they bought the debt..  Either the collection agency or the factoring company still falls under the Fair Debt Collection Practices Act.