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Are these open collections assigned by the original creditor or was the debt purchased, and what about in the case of charge-offs...it was a write-off, how could a collection company purchase it?

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(as after 4 years they legally cannot collect on it) Part B: Is there a point in settling a collection/charge off account (if this is reporting under different collection agencies), if the original DLA expired on the original bank account, or is there no way to stop them from selling/assigning and selling again to new collections..how can I permanently stop this process?

If you can answer all of these, you are a hero because after reading too many forums and all kinds of sources, I still cannot fully understand the truth about this and where should I begin.

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