You starting again???? LOL I don't have the statute in front of me, but they own the debt, they could sue under those particular statutes that pertain to debts.
I found this at http://www.legis.state.ga.us/legis/2003_04/gacode/11-1-201.html (12) 'Creditor' includes a general creditor, a secured creditor, a lien creditor and any representative of creditors, including an assignee for the benefit of creditors, a trustee in bankruptcy, a receiver in equity, and an executor or administrator of an insolvent debtor´s or assignor´s estate. Could the red section refer to a debt collector?
For the GA residents on this board: OCGA 18-2-1 Whenever one person, by contract or by law, is liable and bound to pay to another an amount of money, certain or uncertain, the relation of debtor and creditor exists between them.