Can an Original Creditor Try to Collect a Debt Themselves?
An original creditor can absolutely attempt to collect a past due debt on its own, or it can hire a third-party debt collector or sell the account to a debt buyer. This guide explains the difference between an original creditor and a debt collector, what the Fair Debt Collection Practices Act covers, and what to do if a creditor sues you — including resources for Colorado Springs servicemembers.
