Can a collection company continue to call me if I’m current with my credit card company

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Can a collection company continue to call me if I’m current with my credit card company

I spoke to the credir card company and they said they can’t stop the collection company from calling me even though they hired them. I did fall behind at one time almost went to charge off but I paid $900 to keep it from doing so. And since then I receive my regular statements. The card issuer says that I’m current. My balance is going down. But the collection company still calls me and tells me I owe them money plus late charges, etc. What do I do to get them to stop?

Asked on April 27, 2011 under Bankruptcy Law, California

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 10 years ago | Contributor

While you way that you are "current" on your card, you also say that there is a balance. If that balance was past due, then the credit card issuer and/or their collections agent can try to collect from you. That is, it's not enough to stay abreast of new or current charges, but you also have to pay off the previous ones. If it is the case that you do owe a past balance, you may have to pay it off to stop the collections activity. Note that sometimes, a company sells a debt to a collections agent; collections will pay a fraction or portion of the debt, then try to make money by collection most  or all of it. If that's what happened here, then the issuer does not have any control over that old debt any more; it belongs to someone else.


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