HSBC Charge-off: Corporate Receivables, ARS, EMCC, Who to pay?

Hi,

I have a very stressful situation on my hands. I missed some payments on my HSBC Retail Services motorcycle loan. I was contacted by Corporate Receivables for collections. I verified with HSBC that I the account was charged off to them. I made a payment agreement with Corporate Receivables and sent them six post dated monthly payments. They still have one more check of mine for next month...

Now I am being contacted by ARS and told I owe the debt to them. They claim it was "recalled" by HSBC and I should be paying them. They claim they are hired by "Fortis Captiol" to collect this debt.

I called HSBC and the only thing they tell me is the debt is owned by EMCC and their phone number.

I called the number they gave me for EMCC and EMCC asks for SSN (they say that is the only way to look up the debt in their system?.... WTF?)

I won't give it to them.

Sorry this has been such a long question, but I am totally confused and stressed. Hopefully the $2000 Corporate Receivables received goes to the correct people ( I have reciepts of their deposited checks)...


WHAT THE HELL SHOULD I DO? debt validation letters?

Thanks in advance!