Collection Agency question

What legal action does a collection agency, not the original creditor have, on a debt less than 6 months delequent, and less than $3000.00? And if anyone knows where I can learn more regarding this I would appreciate it.

I worked as a senior collector in a large collection agency for 4 years so this might help. First off what type of a debt are we talking about? It would help to know that. Also from what kind of a lender? A private one? Under FDCPA? The collection agency is representing the original creditor so they can take just about any recourse they want. At this point into the debt the collection agency IS the creditor. You are no longer dealing with the original creditor or shouldnt be at this point. This debt was closed and charged off due to non-payment. That came from the original creditor. It doesnt matter how much or how old the debt is, it is still a collectible debt for as long as it is outstanding but check your state laws. If the debt remains unpaid they will put it on your credit report. If it still remains upaid they can put a lien on your home, or garnish your wages, or if it is porperty they can take it back but you will still owe money on it. If you put a lien on your home then whenever you get a mortgage or refinance they can take the amount due out of it. Let me know what type of debt and if under FDCPA then I might be able to help better. It it is under FDCPA laws it will say so on the bills you are getting.