can two different collection agency's collect on the same credit card debt?

Question

I have an old credit card debt (2001) and two different collection agency's are trying to collect on it. One put a lien on my house and the other garnished my wages Do they both have the write to collect on the same debt?

Answer 1

NO

Only the current owner/assignee of the debt can collect on it.
One of them is in violation - big time.

If the collection agency, that sued you, sold the account to another collection agency, then the first collection agency has no further rights in trying to collect.

Order your credit reports to see if both are reporting.
Go to your county court clerk and request a complete copy of the case file.

You should send a debt validation letter to both collection agents to find out which one has the legal right to collect.
Send the letters certified mail return receipt.

I think your best route would be to take copies all of the info you have, reponses from the collectors to your DV, case file, credit reports, letters, etc., and speak with an attorney (that is well versed in consumer laws)

Many atty's will give a free first consult, be sure and ask about that when you call about an appointment.

Answer 2

I can understand how it happened....just not quite sure how you can resolve it without an attorney.

One of the judgments will have to be dismissed. So send a motion to both collection agencies and let them fight out who has the right to collect.

Answer 3

So what you are telling us is that you ignored all communication from the collection agency, ignored the court summons, didn't show up in court and just allowed all this to happen.

Are you sure it is 2 different CA's? Is it not possible the same CA placed a lien and is garnishing your wages?

Answer 4

no they don't only one owns that debt..I find it hard to believe they both got a judgment against you for the same debt.I would call the attorney generals office and report them.