Is this true? "Only the original creditor has the authority to decide to take legal action against you. A collection agency cannot initiate legal action on its own. All it can do is to recommend to the original creditor that legal action be taken. Only if the original creditor has given authorization to commence legal action, can the collection agency tell you that you may be sued" If it is , if your debt is purchased from the OC by a collection agency, does the CA become the OC? I know this sounds like a stupid question, and it probably is, but if the above is true, than does it mean that the CA has no legal right whatsoever to sue or threaten suit if the OC hasn't given the OK? And how would you find out if the OC had ok'd a lawsuit? Any gurus out there? TIA, k
A ca can sue you if the ca owns the debt The CA is never an OC.The ownership of the debt has nothing to do with it
