There are multitudes of message boards to be found on the internet and they are all filled with lots of information. Some of it good and some of it absolute junk that can lead you into really bad situations if followed. Therefore any and all information found on message boards must be considered to be false and misleading until you have checked it out for yourself.
There are really only a relatively few trustworthy web sites on the internet and those are always government owned or sponsored web sites such as those owned and operated by various state legislatures or by their court systems or federal government web sites.
That does not mean that I think that all government web sites and information is to be trusted explicitly because nothing could be further from the truth. Government too can be guilty of putting out false and misleading information to gain it's own ends as well but the law is the law and web sites that deal with law can be trusted much more than can the web sites of those who think they know the law when in fact they really have no understanding of it at all
Here is a prime example of the kinds of misinformation to be found on such message systems as consumers.creditnet.com
This may be from out-dated legal theory, but my understanding is that the assignment or transfer of a debt from an OC to a CA represents something called a "novation".
|As a party to the original contract, it's my understanding that you must agree to any substantive changes in the terms of that contract in order for it to be effective, including a transfer to a CA.|
|The law gives you 30 days after you receive notice of the novation to dispute it. If you don't (ie., you default), or you tell somebody with the CA that you agree, or that you'll pay, or you DO pay them "just a dollar", you've just AGREED to the change in terms.|
|A timely dispute supposedly prevents the changes in the contract from being enforced. Anything else means you've agreed.|
| From all you've said in your first post, you've already agreed this debt was yours. You've even paid it in full! |
Why are you even thinking of asking THEM to prove to you what YOU YOURSELF have ALREADY ADMITTED through your actions???
Let sleeping dogs lie. The only possible outcome of your actions can be to make things worse.