Can a collection company (who has bought your cc acct.) file a civil case against you?

Had a credit card debt and they cc company sold it to a collection company. Now they are continually harrassing me saying they has a cicil case against me. Is this possible??Can a collection company (who has bought your cc acct.) file a civil case against you?
When they bought your debt from the credit card company I assume they advised you of this and demanded some kind of payment. And I assume you refused such payment as you did with the credit card company. Now the only way they can get that money is to sue you, so they will. They most likely will win as you do not deny owing the money. Once they win they will have the ability to attack your bank accounts and to garnish your wages. Better to pay off your debt than to let it get to this. Can a collection company (who has bought your cc acct.) file a civil case against you?
Yes, they can. Technically, anyone can file a civil suit against you for any reason whatsoever - it's a matter of whether or not they can prove their case in court. If you owe the money, then you will likely get a judgment against you, but the good part is that the interest rate will probably get fixed by the court so they can't push it up on you later. Your best bet, however, is to use this as an opportunity to negotiate with the collector's. They are often willing to settle for less than what you owe to avoid the hassle of going to court.
yes they can sue you, they bought your debt so they are able to pursue lawsuits to get it paid off.





why not call them and work out a payment plan. i'm sure it will be less hassle for all parties involved to make some sort of payment plan!
of course, that will allow them to garnish your wages or take other assets.





Easy solution: PAY YOUR BILLS