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How do I know who owns my debt?


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Calling the OC and simply asking should work. They should have no problem telling you if they no longer own it, or no longer have the account in their system. They would realize no benefit in lying about it.

A JDB, on the other hand, might try to tell you that the OC still owns it even if they don't, as a way to make you want to settle it. To do the "right thing."

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