I claimed BK 3 years ago. My credit is pretty decent now thanks to rebuilding. Well, I just got a collection letter from an ER visit from 2.5 years ago. I had moved since then and I assume that is why I never got the original bill. It is $ 1300. I really don’t have it right now, I’d be willing to make payments. CBCS called me and I asked if they had put it on my credit (I know they haven’t because I track it regularly) they said “We don’t report to the bureaus but the original creditor may.” I don’t get that.. if the original creditor doesn’t own the debt anymore why would they report it? I’m confused.