How to find out if credit card debt has been sold after charge-off

If the account was sold to a debt buyer, the account information on your credit report should say "transferred / sold" or a similar phrase. Sometimes, lenders forget to update the comments to include this statement after they've sold the account. So, if your credit report does not indicate that they sold your account, you could call the lender, indicate that you're receiving calls and don't want to get scammed so who owns the account. They'll probably tell you whether they sold it and who they sold it to. If the original creditor sold the account, the debt collector should not be telling you that they "represent" the original creditor.

I don't know the answer; but let me give you the number to Credit Repair Law Firm, Chartered which, I believe, is run by Hagen and Hagen, PA in Broward. They might be able to help you. 954-987-0515. Good luck. Negligence is no "accident". Visit www.inawreck.com and learn your rights. DENNIS PHILLIPS, ESQ. www.inawreck.com Attorney Dennis Phillips, P.A. PO Box 290674 Ft. Lauderdale, FL 33329 (877) In-A-Wreck (462-9732) fax: (954) 678-9233