Collectors Have No Contract Between You And Them With Your Wet Signature. They are also, besides breaking FCRA Laws, from the get go-reporting the WRONG alleged balance due to the Creditor not reporting the income[s] they have received when they Chargeed-it-Off.

They are also collecting on an account that a Creditor PROBABLY already filed a Risk Loss Insurance Claim on and got a check in the Amount of Your Charge Off.

The Corruption Starts With The Original Creditor.