I owe a credit card company a little over $30,000 that I have made a payment on in the last two weeks and I set up payment arrangements starting next month. A collection company called me today regarding this debt and also contacted past employees who had access to the credit card as an authorized user only. the collection agency said they will persue past authorize users on the card to pay the debt and has contacted atleast one person and pinged their credit score. can they do that? shouldn't the LLC business be the only responsible party?