World's transcript credit card debt (what is the most you hold ever hear anyone owes on their CC's)?
Answers: check www.bankrate .com and check if your card is there and see what is offered biddable luck
How do I attain my credit card company to do the right entity?
It depends on the card and your credit...
However, www.bankrate.com is a great website where you can compare features and benefits of different cards from different companies. It isn't slanted to one over another.
How do you know its a collection agency and not a fraud?
If you are Asian, it may be worth checking NARA Bank-corp. I own no association with NARA; but, I notice you mentioned East-West and I think they focus on Asian American populations.
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