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  1. #1
    Join Date
    Jan 2011
    Posts
    2

    Cool How Do You Know If You're Dealing With a Junk Debt Buyer or the Credit Card Company

    My question involves collection proceedings in the State of: Michigan
    I have received a summons for a credit card debt. I sent a request for validation
    to the first two CA's. Then an attorney in my state took on the debt. I ask for
    a DV and they sent me a summons. How do you know if you are dealing with a
    junk dealer or the real credit card company's lawyer? If I settle with the lawyer,
    will I still owe the credit card company. My credit report says, "charger off."

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Re: How Do You Know If You're Dealing With a Junk Debt Buyer or the Credit Card Compa

    If the plaintiff is the original creditor, the plaintiff is the original creditor. If the plaintiff is not the original creditor, it's reasonable to infer that it's an entity that acquired the debt from the original creditor.

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