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A New York District Court recently addressed the issue of whether the FDCPA requires passive debt buyers to personally register disputes or whether they can delegate that obligation to their thirdpartydebtcollector/servicer. In Nunez v. Pinnacle Credit Services, 2016 U.S.
This doesn’t mean you no longer owe this credit card debt; it means you no longer owe the credit card issuer the money. Instead, you now owe the money to the third-partydebtcollector. That said, there is no harm in trying this method even if Capital One still owns your old credit card debt.
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