I've been getting calls from this number for the last couple weeks. They leave the same message everyone else here is describing: "(My name), I'm contacting you from the process and summons division, I'm calling to notify you that there will be 2 charges filled against you in your county. Looks like fraudulent activity has been attached to your name and your social security number. (My name again), I do need to make you aware of your legal rights to address your charges prior to them being filled against you. You need to do so before your receive your summons at your place of employment or at your home address. Once you're served, your rights will be forfeited. Your case number is (Some made up, yet apparently intimidating sounding series of numbers). Their telephone number is 401-433-7875. You will need to speak to someone in their legal department." There is so much wrong with this message, it is plainly obvious that it is written by people attempting to sound as legally credible and intimidating as they can and yet who are actually totally ignorant of the law. After trying to return their call for the last couple weeks and never making it through, I got them on the phone yesterday. Again, they try to sound as intimidating and "legal" as possible. The guy says "I see you already have 6 judgments and liens against you" (I have no judgments or liens against me, apparently this is another tactic? Don't argue with him, just let him keep digging his hole). Then he gets to a credit card I defaulted on 15 YEARS AGO when I was unemployed. He offered to reduce the amount owed by half and lower the interest rate if I could pay $350 per month! What a great deal! Reality is, this is some little basement dwelling collection company that bought your worthless paper (debt) from the last in a long series of collection companies who were also unable to collect from you. They are trying to scare you into paying them. However, if your situation is the same as mine, and I assume it is because this is apparently the kind of uncollectable debt they are buying, they CAN NOT sew me: this debt is older than 7 years with no activity. They also CAN NOT put it back on my credit report. Here's what you do if you decide to call them back AND they pick up the phone: Be polite and non-threatening, record the call, tell them up front you're recording the call and tell them you dispute their claims of indebtedness and that you do not want them to contact you at your number again. Be quick, they're going to try to hang up on you before you get it all out. Before she hung up, the lady told me I didn't have her permission to record the conversation: you do not need permission to record the conversation. If they contact you again, file a complaint with the FTC: The call you recorded and your phone record are your proof that they were told not to call you again and that they did. That is an FTC violation and you may end up collecting from them (Google it). Also, if they try to recreate the account on your credit, file a complaint with the FTC. I asked the guy what the name of his company was and he said B&A Associates. I asked him what "B&A" stood for, and he said "Bruntson and Associates". Not identifying themselves is also an FTC violation. I was polite, and started asking more questions about my acct, like how old it was, and he said "I am unable to answer any more of your questions. Please call back tomorrow" and hung up. This is because he knows they have nothing. He knows they cannot sew me. He knows he can not recreate a 7+ year old acct on my credit. He is just "fishing", calling to "try me out" and see if I'm some moron who will give him some money because he paid, maybe, $0.10 for some ancient, uncollectable account and used some big words on my voice mail. DO NOT pay these losers. DO NOT give them any of your current information (he wanted to verify my address that I lived at 15 YEARS AGO. If their information is old, don't correct them, just say yes). Tell them not to contact you at this number again. Report them to the FTC if they do (Google how). Remember: These folks probably have MUCH worse credit and job than you do (just look at what they're attempting to do for a living) and they are just calling to see if you're dumb enough to pay them something. Don't be a sucker. DO NOT pay these losers. DO wish them luck that they will be able to find gainful and socially productive employment elsewhere (probably in another week or two when they flop to their next job).