Got a phone call from this number claiming a debt from a card I never got. Man said his name was Richard Ley. He actually gave me a BoA account number. Lincoln Group. Private Mediation group was his claim. Claimed HSBC had enough cause to take me to court. Excuse me? Statue of Limitation on most deliquent accounts varies from state to state but bankruptcy is 7 years to clear everything. Be aware US code 15 Title 1692b is a cease and desist law for harrasment .