LVNV Funding has send my debt to a so called Law Firm who says they are not debt collectors but are calling and sueing me to collect a debt on behalf of LVNV Funding for bill I had with Home Depot and Sears. Sears was paid off earlier this year to the Sears Company even after they charged me off but LVNV who apparently owns the debt now says I still owe them. Home Depot on the other hand Charged me off as a bad debt back in 2006. But LVNV Funding is trying to still charge me 10% interest on a closed account that had been charged off and said that my state gives them the right to do so. I want to pay off my debt to Home Depot but not by getting ripped off in the process by Loan Sharks.
I want to know if a Debt Collector can still charge interest on a debt that from a company which the account has been closed and charged off or written off as bad debt and is listed as such on all credit reporting services.