who owns debt

How do you find out who actually owns the debt? If a CA is calling and they say "I am calling from Bank of America," but they are really from Collectcorp Collections it is still owned by original creditor right? thank you

Sometimes they lie and will say they are the original creditor. The only way to really find out who owns the debt is to either call the original creditor and see who they sold it to or send a debt validation letter to the company who is calling you.

be advised, if a debt collector is falsely telling you that they are calling from the original creditor, then they are in violation of federal law.

I got a good one.... I just called from an ex of one of my family members... They have been divorced for years. The ex has an unlisted number that she has had for five or six months. I told her that if the continued to call to let me know. No reason for some mis-representative to be calling someone who is not a relative. The person who called and left her represented BofA... Isn't CollectCorp assigned by BofA to collect on the debt now? If CollectCorp would put a human on the phone I will talk to them. I do not talk to machines. THis debt just got assigned and they are calling people already? I am going to keep track of the people they call. Next time they call I will answer the phone and tell them to stop harassing people. They know where I am. That is BS.