If a CA can prove he actually bougt my debt from the OC can I still tell him I'd rather deal with the OC? If I write a letter to the CA stating this does this cover me or do I actually need to contact and deal with the OC after that to cover myself?
well thats why I was asking I've been looking at these sample letters that say the writer chooses not to deal with the CA. I was wondering if you can always use that option, but I guess not if the CA realy did purchase the debt.
If a CA 'purchased' the debt, you are really better off-cause now they have to abide by the FDCPA!! Give you a lot more rights.
Re: Re: whats my obligation to this CA? A CA has to abide by the FDCPA whether they purchase the debt or not. Actually you're better off with an assigned debt if both the OC and CA are reporting. You have a much better chance at including both of them in a payment for deletion agreement. Always try to catch a problem before more than one entity reports to the CRA's on the same account. Makes things tough.
