can i fire the debt collector and pay the original creditor

by Phillip
(San diego ca)

can I fire the debt collector and paqy the original creditor?

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Mar 11, 2010
Firing a debt collector
by: Mary & Gerri

Philip Thanks for submitting your debt collection question on our Q&A page.

We know that dealing with a debt collector is never a pleasant experience, but you cannot fire the collector who is contacting you. Debt collectors are hired by creditors. Therefore, the only way that the debt collector could be fired is if the creditor to whom you owe the money the collector is trying to collect decided to end their relationship. Also, some debt collectors actually purchase the debts from creditors and then try to collect on them. If that is what the debt collector who is contacting you did, then the debt collector and creditor no longer have a relationship with one another and therefore, the creditor is not entitled to fire the collector.

If the reason why you want to fire the debt collector is because that person is being abusive, harassing, intimidating, threatening you, using abusive language, calling you repeatedly within a short period of time, or has broken the law in some other way, you should get in touch with a consumer law attorney in your area immediately. You may have grounds for a lawsuit under the Rosenthal Act, which is California's debt collection law, or under the federal debt collection law, the Fair Debt Collection Practices Act. We discuss both laws in detail in the California edition of Debt Collection Answers, which we wrote with noted California consumer law attorney, Robert Brennan.

We highly recommend that you read the California edition of our book and if you decide to consult with a consumer law attorney, you may want to contact Robert, who is located in the Los Angeles area. He has years of experience helping consumers with their debt collection problems. His phone number is 818-249-5291 and his web site is

Best of luck!

Mary and Gerri

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