I currently have alot of debt with various different companies and i have 2 questions although i think i might already have one answered....... 1. If my debt has been handed to a debt collector can i still make a payment to the original company who i had the debt with if i want to clear the total balance and if i cant can they point me in the direction of who owns the debt now? 2. I intend to clear off any debt i have with companies in FULL.....can i expect a reduction of any kind as i am clearing the whole balance and if so how much can i expect a reduction of?? all replies welcome.