Difference between Debt collection and Debt MANAGEMENT

[jon1965]

Re: Difference between Debt collection and Debt MANAGEMENT

Now she tells me

[BlueStar83]

Re: Difference between Debt collection and Debt MANAGEMENT

haha always beenf ree and easy with my spelling, I was just curious as was planning to use it as a delaying tactic, I have never ever had a DCA ever take court action and that includes a 30k mortgage shortfall debt.......they just send out the same letters againa nd again on the same cycle and then start again with another company!! hence why i wanted to know if they are legally able to collect the debt if they cant prove they own it or are not licenced to int he first place?