I have a medical collection from a few years ago (within SOL). Every year we've paid off a huge chunk of outstanding debt and this year we are able to pay off the remainder of our baddies.
I contacted the OC to pay them directly, however, they said the debt is no longer on their books. I asked if they've been paid by the CA and they told me no, meaning they wrote off the original debt and do not have retrievable records of it any longer.
The CA is still attempting to collect this debt, but it seems they don't own it, yet are still attempting to collect on behalf of the OC. The OC also informed me that if any payment is made to them they would just forward it to the CA.
My questions is, if the OC doesn't have any record of the debt and the CA hasn't bought the debt, does that mean the CA still has a legal right to collect and report the debt as outstanding. I've attempted to dispute this a few months ago just to validate the debt and it came back verified. Now I'm wondering how they were able to verify it.
What should I do in this case? Should I attempt to dispute it again, do I take the HIPAA route, etc.?
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