I appreciate the quick reply, but am not sure I completely understand your explanation.
So, if the OC charges the account off and then sells it to a collection agency or any other company, can that "other company" legally collect the debt from you now considering you have never entered into a legally binding agreement with them?? Further more, can the company your debt or account is sold report to the bureaus? And lastly, after the OC charges off and sells your account is there anything that can be done in regard to the OC's reporting to the bureaus? Can you have anything removed after the account is charged off and sold?? Thanks again!!
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