sam96523

How do I know who owns my debt?

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If the original creditor's trade line (TL) states charged off and nothing else, the OC still owns it. It it also states "sold/transferred", a JDB has purchased it.

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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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