Patty acquires debt from the use of a credit card.The credit card company attempts to sell the debt to a credit collection company.Is such a transfer of debt usually legal?

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Creditors are generally allowed to assign collection rights to third-party collection agencies. This is a common practice in the credit industry. Patty's credit card company may transfer the debt to a collection agency to recover the outstanding balance. As long as the assignment is legally valid and enforceable, the collection company may pursue the debt. Patty's consent is not required for the assignment to be lawful.

Patty Acquires Debt from the Use of a Credit Card