You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter (think of it as the best $6.47 you ever invested). Also send it first class mail in case no one will sign for it. Make a notation of that fact at the bottom of the letter. You also need to report them to the proper agencies to which I have provided links to. Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment. If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it. Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front): http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All
Everything else you need to know follows including at least two agencies where you should report their criminal activities.
Day Knight & Associates aka crown holdings, llc.
Number threads associated with these crooks: http://800notes.com/Phone.aspx/1-314-766-4505#p1219500772020336406
http://800notes.com/Phone.aspx/1-636-405-1000
Website lists a PO Box in Missouri: http://www.dayknight.com/
BBB gives them a B+ rating with 1 complaint: https://www.bbb.org/stlouis/business-reviews/ ... in-mo-310609370
Looks like they are trying to get collectors right out of high school and turn them into felons: https://www.acainternational.org/news/day-kni ... ucation-program
Looks like one of the felons that works at Day Knight might be in charge of the criminal organization for all debt collectors: https://www.linkedin.com/in/kevin-baich-11825281
Physical address for these crooks: http://www.whereorg.com/day-knight-associates-8477469
Missouri Dept. of State info shows one expired and one active:
Name(s) DAY KNIGHT & ASSOCIATES Address
1908 WOLFCREEK PASS CT
BALLWIN, MO 63011-1737
Type Fictitious Name Charter No. X00420654
Status Fictitious Expired
Date Formed 11/25/2002
Expiration Date 8/28/2009
CROWN HOLDINGS, LLC Organization 225 S Meramec, Suite 1220 c/o Gusdorf Law Firm
St. Louis, MO 63105
The above registration was removed by Judicial action.
Name(s) Day Knight & Associates Address
15559 Manchester Rd
Ballwin, MO 63011
Type Fictitious Name Charter No. X01011846
Status Fictitious Active
Date Formed 11/19/2009
Expiration Date 11/19/2019
Owners Show Previous Owners
Name Type Address Since To
CROWN HOLDINGS, LLC Organization 225 S Meramec, Suite 1220 c/o Gusdorf Law Firm
St. Louis, MO 63105
Name(s) CROWN HOLDINGS, LLC Address
Type Limited Liability Company Charter No. LC0045922
Domesticity Domestic
Registered Agent Gusdorf, Randall E
9666 Olive Blvd.
Ste. 211
St. Louis, MO 63132-3012 Status Active
Date Formed 12/26/2000
Looks like they were sued:
https://www.law360.com/cases/5775827f3b73961e12000005
https://www.pacermonitor.com/public/case/269971/Velez_v_Crown_Holdings,_LLC
It is incumbent upon them under the law to prove that the debt exists and that you owe it, and that they have the legal right to collect it. You are not obligated under the law to prove that you don’t owe or that it is paid.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://800notes.com/faq/attorney-general