Is it legal for a company to try and collect on a debt that's not owed to them?
Posted in the Warsaw Forum
#1 Nov 2, 2013
Is it legal for a company to try and collect on a debt that's not owed to them?My fiance has a credit card that he hasn't paid in a year and it's been charged off most likely. Before you start telling me he's a horrible person he lost his job last year and was unemployed for awhile. He tried making small payments but it got overwhelming. He's still struggling even with as much help as I can afford to give and he may end up having to file for bankruptcy. Now this third party company is calling him and sending him letters saying he needs to pay them. I did some research and I've seen nothing where they are authorized to collect on behalf of the credit card company. This third party company is also notorious for taking people to court and pursuing wage garnishments etc. We understand that the debt is still owed to the *original* creditor but does this other company have a right to try and collect? I don't want him making a deal with them only to find out they aren't authorized. What if they purchased the charge off account with the intent to sue him? Is that even legal for them to sue him even though he doesn't owe this third party? What can he do?
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