tom
memphis,#2Consumer Suggestion
Sat, August 25, 2012
I am not an attorney. This is friendly advise.
First off This is probably a scam. Just in case they got the wrong person. I would try to tape the calls coming from this company. There are devices that can record calls.
I would file a complaint and a copy of the email with the attorney general of your state. You need to create an audit trail of paper and complaints with various government agencies. In case they do decide to sue. Now, there are attorney's out there that will handle a case on a contingency basis.
They are NACA attorney's I would also go to Debtorboards. They are a com extension. They can offer you free advise. Most responses are not attorney's. but people that have experience with dirtbag collectors and their tactics.
There is a new agency with the Federal Government called
I would file complaints with the consumer Financial Protection Bureau, Federal Trade Commission and your state attorney General.
If these calls still happen at your job. I would try to file a complaint with the police. Tape the calls
DO NOT GIVE THEM ANY INFORMATION.-------------NOTHING NO BANK ACCOUNT NUMBERS ETC.
That is a mistake trying to settle with them. They do not send letters of agreement or receipts. You would be reseting the Statute of Limitations by paying them.
I wish you good luck. You do not have to take their cussing and threats. They are extortionists They will liar and threaten. Don't fall for it.
Please keep us posted. If you get the proof on tape. You also need to send them a Debt validation letter. They have 30 days to respond. When they don't hit them with the agency complaints.
Remember tape the calls, and file complaints. NACA attorney's love cases where they threaten consumers on tape. They are slam dunk cases with money in both of your pockets.