Q: if a credit company says closed account and the debt is written off, can they turn it over to a collection agency?
They have turned it over to two collection agencies.
Generally, Yes. It sounds as though either or both of the collection agencies have purchased the debt from the company. If that is the case, then the collections agencies can seek to collect the debt from you. It is probably a good idea to consult with a local collections or consumer debt attorney to discuss the particulars of your situation and assist you in case the collections companies violate the Fair Debt Collection Practices Act. A good place to start is by clicking the "Find a Lawyer" link at the top of the page.
Best of luck.
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