Do I need to list both: Original creditor and Collection agency?
Yes, you should both. It is better to list more possible creditors than too few. Often, it is not known to the debtor if the collection agency owns the debt or is only collecting for the original creditor who might be in the process of hiring another collection agency. It is always good practice to list collection agencies and attorneys for the original creditor if known. Please contact our Bankruptcy attorney in St. Louis if you have more questions.