Can a Collection agency do this? We had an AT&T Bill overdue a while back and got a call from a Collection Agency seeking payment but we had sent in the payment two days earlier to the OC. She told me that if I did not stop payment to the OC and give her a check over the phone it would go on our credit reports. My husband yelled at her and hung up the phone. I knew very little at the time about credit and I freaked and thought the world was coming to an end. The world is still here. It has been months and it never made it on the CR but is what she did illegical, unethical, both?
