I agree with Mr, Zales with an addition. Run a credit report on yourself.
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I am not sure if the identity of the original creditor really matters, assuming that the collector with whom you are working can prove that he is authorized to settle the claim. However, it is true that you have a right under the FDCPA to demand this Information, and that you may enjoy additional counterclaims if it is not provided to you. If you are having trouble paying your debts, a far more useful thing for you to do might be to schedule a consultation with an experienced bankruptcy lawyer, who might be able to solve all of your collection issues in one single lawsuit at a affordable price. My answer does not automatically make me your attorney, so you need to consult with your own attorney before acting upon any of my comments and may contact my office at 333 Main St, Racine, WI 53403, 262-633-3090, during business hours, or see me on the web at www.jayknixonlaw.com. Also see 25 years of my answers to consumer questions at http://www.lawguru.com/answers/atty_profile/view_attorney_profile/jknixon. Attorney answers may contain advertising materials.
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