I get calls from over 15 collectors asking for someone else--months and months and months of calls all day long. I sent certified cease and desist letters. I took photographs of the calls, got an attorney, notified the ftc., the calls continue. People need to get fed up enough and call their Congressman or e-mail their Congressman to do something about this, what I call, domestic terrorism. The only thing that stops these calls is disconnecting the phone wire. I have read online where some people who have settled with debt collectors found charges on their bank accounts from unknown sources months later. Don't talk to these collectors, period. If you owe money, talk to the original creditor.