I have wondered for a long time what is the difference between a collection agency that claims the debt was "assigned" to them versus one that says the debt has been purchased.
I know for certain that when it is assigned, one can "fire" the collection agency and return the debt to the original creditor. But can that technique work when a collector claims to have purchased the debt?
I hate dealing with these dogs. I would much rather pay my money to the company that originally gave me the credit.
After a dark period in my life of receiving threatening calls from 8am to 9pm, and sometimes after 9pm, at work and at home, I finally learned my rights. What a pleasure to just hang up on them and know I have every right to do it. One can even say, "I don't know what you are talking about. Please send written correspondence and I'll look at it." then hang up. Reclaim your life.
