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  1. #1
    Join Date
    Nov 2007
    Location
    Dayton, Ohio
    Posts
    12

    Default Can Collection Agencies Really Sue?

    I was under the understanding that collection agencies could not really sue a debtor. I thought that they were NOT the one that you were under obligation to pay. I thought that they ONLY person that could sue a debtor was the one that owns the debt ( original creditor ) How does all of this work.
    Thanks in advance for any help

  2. #2
    Join Date
    Jan 2006
    Posts
    38,867

    Default Re: can collection agencies really sue?

    Yes, a collection agency can sue for a debt.

    In the cases they are actually collecting for the original creditor, and they have permission to act for the OC, they can sue on behalf of the OC.

    What happens with much of todays debt is that it is actually sold to the debt collectors. The right to collect pass along with the purchase of the debt and as such, the new creditor can sue for the debt.

    There are probably a few situations where this is not true but as a general rule, it is true.

  3. #3
    Join Date
    Nov 2007
    Location
    Dayton, Ohio
    Posts
    12

    Default Re: can collection agencies really sue?

    thanks so much for that information, ...so let me be clear on this then, what if I make a payment to the CA but not in full...does this make it harder for them to sue me some how?

  4. #4
    Join Date
    Jan 2006
    Posts
    38,867

    Default Re: Can Collection Agencies Really Sue?

    Only if there were some agreement to forestall suing you if you pay a partial payment.

    They can sue you any time they want to recieve a judgement.

    The only sure fire method of not being sued is to pay the debt....in full.

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