Community Leader
Epic Contributor
Posts: 26,258
Registered: ‎03-19-2007
Re: Confused: Did a CA hire another CA to collect or is this a sold/transfer debt?
[ Edited ]

It all points to debt collector 1 now being the owner, and assigning collection authority to debt collector 2.

If the OC is appearing in your CR, sale would require them to have updated the debt balance owed to them to $0.


Contact from a new debt collector requires them to send their own dunning notice, and also begins a DV process anew with them.

If you want validattion, yes, send them a new DV.


In their dunning notice, the debt collector was required to have provided the name of the current owner.  Dunning notice does not require that they provide the name of an OC.  If they provided only the name of debt collector 1, that is additionally thier statement that the OC is not now the current creditor.

In your DV, if you want them to provide the name of the OC, that request must separately be included.