I have recently been contacted about a debt from 2005 that was dismissed in a chapt 13. I contacted the original creditor and they said the account was charged off. I then contacted another collection agency that was listed on my credit report and they said the account was sold to another agency that I needed to contact them.
So I called agency and we set up a payment plan to start paying on the debt he also reduced it. He said once I started paying they'd send out the agreement.
One of the associates contacted me again while I was at work and I told him not to call me at work and that he was in violation. When I did have time to call back a few days later to get the paysite info to send payments the mgr told me that the associate had closed the account for refusal to pay which is not true he said the account would be sent back to original creditor and they can persue it from there.
He then went on to say that he can try to retrieve it before it went off and that I had 24 hrs to make a payment that's how long he can hold the account for. Me wanting to go ahead and get this over with send them a payment my question is should I have sent a payment to them or waited til it got back to the original creditors.
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