CA collecting a debt originally disputed with OC. The collection process affected?

[gankin247]

If you have a dispute regarding services you receive from an OC, and put the dispute in writing, does that have any effect on the collections process or what a CA can or cannot do, in that they are knowingly and willingly purchasing a debt that is known to be disputed?

In my case, after making a partial payment for services and then receiving shoddy service, I attempted to reach an amicable solution with a company. When they refused to make an adjustment, I sent them a letter, CRRR, stating I was disputing the entire bill and refused to pay the remainder.

About 5 months later, I received a letter from a CA regarding the debt. I have DV'd them. They responded, but not with proper DV. I am preparing my response to their improper DV and knowing the answer to the above question would help.

Thanks.

[willingtocope]

Note that just because there is a CA involved, does not mean the CA purchased the debt. They could be just working for the OC to hassle you.

[gankin247]

The CA's dunning letter says, "We have been retained by the above named creditor to handle collection of your delinquent account." It also says, "This account is entirely in our hands, and all arrangements must be made at this office."

Any guesses as to if it was assigned or sold?

What about my question regarding the fact that the debt was disputed with the OC in writing. Does that figure in at all?

[Fizzle1979]

I would ask them to provide a bill of sale showing they purchased the account from the OC. But then again...that's just me. I'm not sure of the legal requirements of providing ownership of the account. I'm not not sure that once disputing debt with the OC, if the CA has to stop collection activity.

Not sure I helped you any, just gave my two cents.

[willingtocope]

IMO, "retained" doesn't mean "bought". They're working for the OC. The rest of that is there attempt to make sure they get paid. Not your problem. They're a CA. Deal with accordingly.