Last updated April 22, 2010 Some people have expressed skepticism that you can actually do debt settlement on their own using our strategy or other creative methods of settling debts. Read letters from readers who were highly successful. You can also watch our video on how to settle your debts. Note: This page addresses debt which is with a collection agency. For debts still with original creditors (still with the credit card company and NOT with a collection agency), go here. If a debt is with a collection agency, the original creditor (OC) is not going to deal with you. The OC has collected its tax benefits under US tax law for bad debts, and "cut the ties" with the debt. You are now dealing with the collection agency. All of this material is covered in our ebook, How to Settle Your Debts, by the way. How do you know if your debt is still with the original creditor (OC) and not with a collection agency? Simple: call the credit card company. creditinfocenter.com/debt/settle_debts.shtml]Debt settlement advice | Settling your debts[ SO I CALLED THEM AS PER THE LINE ABOUT THE URL I just called American Express:::: :::::::::::::::::::::::::::::::::::::::: call to American express 3:11 pm automated system states no longer handles or has access to this account called back 3:12 pm June 11, 2010 JD REPRESENTIVE â?? ID NUMBER 38422 GAVE ACCOUNT NUMBER ACCOUNT IS UP( pulled account ) â?? GAVE 570-my cell phone number xxx-xx03 AND YEAR OF BIRTH representative states : IT S WITH AN OUTSIDE AGENCY â?? & AMERICAN EXPRESS NO LONGER OWNS THE DEBT BECAME EFFECTIVE â??( that nco owns account ) MARCH 15, 2010 so does NCO not validating my debt make them sueable now? thier( nco) letter recieved 3.19.2010 requested debt validation recieved via certified mail 4.19.2010 its been over 30 days w no response from NCO ARE THEY NOW IN VIOLATION OF THE FDCA?