One collector owns right to collect and hires another to help collection. Both can collect. Deception could be
You left out a scenario: neither JDB has the right to collect based on ROE, proof of valid assignment, etc.
If a JDB performs a credit check on the premise of attempting to collect a debt, and he gets challenged on validity of his premise and we find it was based on invalid evidence and an invalid assignment, doesn't that make his credit history inquiry invalid?
In my situation, Main Street is attempting to collect over 9 grand on their "alleged" claim on an alleged HSBC account, all of which I've disputed. Frontline just showed up two days ago telling me in writing that they have the authority from HSBC to settle the claim for about 25% of the amount that Main Street is seeking.
Main Street may have sold the "claim" to Frontline, there is not record of that on my credit report which I checked the day I got the Frontline claim. That a transfer was not on my credit report would be consistent with the statement the Main Street attorney made to me, in writing, in response to a different matter.
I'm thinking they may both be trying to collect on the same account, at the same time and without the valid right to collect period. I was hoping jnb1111 might have gathered some information without me stirring up the pot, scaring Frontline away and surrepetitiously defusing a potential landmine for both JDBs to step on.
I'm not in this game to collect law violation fees. My motive in trying to formulate FDCPA violations is to turn up the heat on the pondscum JDB attorney and hopefully compel him to slither away back under the rock from which he lashed out at me.
If I can learn how to help others in the process I will put that learning to good, pro bono work.