http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350
Also check your states statue of limitations.
Seek a FDCPA/TCPA Attorney
To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
You can also file complaints with their states bar association.
They are low level scum bags that try to pick low hanging fruit. DON'T talk to them! They need to send you a dunning letter and when (if) you ever get it just fire back with a "Request for debit validation" letter and make sure you send it REGISTERED MAIL so you have proof that you are requesting validation! Just look on line for some great validation letters. Scum bags like them 90% of the time don't have proper validation to prove you own what they say you owe. Also, NEVER EVER admit to them that you owe anything!! The burden of proof is on these bottom feeders. I've handled these types before and they hate an educated consumer.
http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350
Also check your states statue of limitations.
Seek a FDCPA/TCPA Attorney
To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
You can also file complaints with their states bar association.