Which of the following statements is TRUE? a. If your original creditor (ex: credit card company) sells your debt to a collection agency, you no longer have to pay that debt -- it's been forgiven. bIf your original creditor (ex: credit card company) sells your debt to a collection agency, you are still required to pay off that debt. c. your original creditor (ex: credit card company) your debt to a collection agency, you have a grace period before you have to start making payments again. d. If your original creditor (ex: credit card company) sells your debt to a collection agency, the full debt becomes due immediately