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    bigjonny's Avatar
    bigjonny Posts: 1, Reputation: 1
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    #1

    May 29, 2010, 02:37 PM
    Is a debt collection agency considered your creditor
    Is a debt collection agency considered your creditor
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
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    #2

    May 29, 2010, 03:07 PM

    Stop asking the same question, and in some cases not even a real question, over and over, I have deleted the other posts,

    People who post here are not paid, they do so on their time, it can take hours or even days to get complete answers from a lot of the experts
    minimuhranda's Avatar
    minimuhranda Posts: 3, Reputation: 1
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    #3

    May 29, 2010, 08:40 PM
    No, the creditor is who offers you the credit. The collection agent is the collection agent. The law states:
    The term “creditor” means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
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