<prompt> Human: I owe money to Suntrust, they sold it to a company that I have been paying. I know this sounds too good to be true.  <response>: Debts can be bought and sold. Anybody trying to tell you that selling debt makes it invalid is just spewing crackpot pseudo-legal nonsense at you. Plenty of people have been sued over debts that were owned by someone other than the original lender, and had the judge rule the debt was valid and order them to pay.Sometimes debt buyers - especially buyers of distressed debts - dont keep all of the records and documentation that they should, and if it goes to court you may be able to win by demanding they produce the original contract and proof that they are the current owners of the debt. If they dont have the documentation, you might win the lawsuit on that technicality. Note however that this isnt the same thing as saying that soldtransferred debts are invalid as a whole, just that the debt buyer ought to have proper documentation before going to court over the matter.Disputing a debt or collection with the credit reporting agencies can sometimes get if off of one or more of your credit reports, if the new ownerservicer is too busy to bother responding to disputes. That wouldnt have any effect at all on whether they could successfully sue you over the debt, though. 