Extremely rude caller, asked for someone who doesn't live here. Quote:, "You're a f**king liar", when I informed the caller that they had the wrong number.
This has got to be a scam... I haven't had any debt in over 10 years! No doubt about it... SCAM, SCAM, SCAM! 240-210-7113 has called me 9 times today already!
That "x" amount is the sum total of what they bought from another collection agency years ago plus whatever percentage extra they decided to add to it. Most of the time, it's dead debt. Money you owed to some agency more than 7-9 years ago. Instead of the original agency writing it off, they sold it to an unscruplous company for pennies on the dollar, and the new company wants to make their money back.. and then some.
Some of these companies will offer you a credit card with your DEAD debt as the current balance... then, when you pay it off, you have a normal credit card.. with an APR that averages around 24% :S.
If you are getting calls from this number, as I was, you need to send for your credit report IMMEDIATELY. Answer the call at least once and find out what they are collecting on. If it's dead debt, report them.. if it's current debt, as for it to be transferred BACK to whatever company you owe the payment to and tell them that you only deal with reputable agencies. You owe this company, and others like it, NOTHING.