You can attempt to pay the OC provided they still own the debt, and the debt collector is only their assigned collection agent.
However, if the debt collector has purchased the debt, the OC cannot accept payment.
Two questions regarding the debt collector. One, have they reported their collection to the CRA, and two, what specifically do you mean by "I am getting sued?
If they have reported and your goal is to attempt deletion of that reporting, your offer to pay should go to the debt collector, as only they can agree to delete their reporting.
If they have already filed legal action, is the debt still within SOL, and are you willing to contest the debt in court? If not, perhaps you should be looking at a settlement prior to date of trial, thus avoiding a judgment. That might make alos getting acceptance a PFD more difficult.
