Can I Chose Between Original Creditor and Collection Agent?

A collection agent has a right to collect a debt regardless of its reputation.

In your case, it is impossible to say whether you will have success with contacting the original creditor and settling the debt directly. It's possible that the collection agent could be working on behalf of the original creditor to collect the debt on their behalf. If so, then you may be able to negotiate with the original creditor directly (but keep in mind this does not mean you will be successful).

On the other hand, if the collection agent bought the rights to collect on the debt from the original creditor, then it is now the creditor of record. In this case, there is no option of negotiating with the original creditor.

I suggest you read some tips about negotiating a settlement.

If you are being sued, whether you negotiate with the original creditor or the credit agent, you need to respond the summons. To read more about what can happen in the collection process I encourage you to read Collections Agencies, Collections Laws and Your State's Statute of Limitations.

I hope this information helps you Find, Save, and Learn.

Best,

Bill