Pinkey, check your state laws to confirm the expiry of the SOL period. If the debt is past the SOL period, the CA and the OC cannot force you to make a payment. But if it is within the SOL period and the OC has hired CA for collections, you can work out arrangements with the creditor. Tell them that you want to send your payments directly to them and don't want to deal with the CA. If they accept your proposal, your file will be pulled back from the CA.