You know it's valid simply by remembering taking out a loan from the company the bill collector discuss with you ,additionally they usually will have the information you provided when you took out the loan such as social security # personal references you provided and much more including the bank you used to secure the loan.Usually you don't have the money there when you promised and the lender ends up not getting there money back and owing a bounced check fee as well. This is why they are calling you to refresh your memory and mabee setup a payment plan to keep you honest.I had done some business with them and I think they are nice people and are professional as well. I was having hard times and Richard Ross helped me out and even sent me a thank you letter in the mail.
This is a scam. A man named "Richard Ross" is trying to steal your money by stealing your info including your SSN using old debt report him to the FTC ASAP!
He calls from 210-209-9945; 972-535-4208; 855-695-1313 ext. 303
DO NOT GIVE HIM ANY OF YOUR INFORMATION OR CONFIRM ANY OF THE INFORMATION HE ALREADY HAS ON YOU!
Thank you for slandering our firm online with your false accusations. You requested me to jump through hoops for you and obtain information that was simply unobtainable from my standpoint. We do not steal any information from anyone -- we are a legitimate company and do not violate any laws. We have many people that are satisfied with how well we do business. It is very unprofessional for you to say such negative things about a company that you know nothing about simply because you could not dictate our actions and control the situation. Sorry that we were unable to completely satisfy your demands.