Legal Question in Credit and Debt Law in Ohio

Not sure what an "o.e. agency" is. There is no law against getting another credit card account while you have two in collection. The Fair Debt Collection Practices Act sets out a great many of your rights with regard to what a debt collector can and can't do.

The FTC has put together the following helpful work on the statute at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf so you might want to take a look at that to see if the debt collector is doing anything that violates the act.

Lastly, it is unwise to ever give your banking account information to a debt collector. Firstly, though they will promise to pull out only a small amount, they will often clean out the account with the information. Secondly, there are many people posing as debt collectors who will even have some information about the underlying account to make them seem related to the original creditor. But you may later come to find that they were simply con men and you will still owe the money to the original creditor.

When you pay a debt collector, you should always negotiate a lower amount that is owed and you should always pay by money order, cashier's check (drawn on a bank other than yours), or travellers check.