What is the easiest way to find out if a debt collector has bought a debt vs. simply collecting it on behalf of an OC? Aside from legal action and discovery?
If the debt was charged off than more than likely it was purchased. I had a charged off CC debt that was purchased and resold without knowing or showing on my credit report. If they are dunning you than request a copy of the assignment in your DV letter. Upon your request they have to provide reasonable proof of the assignment.
