They said they was a debt collector They said I owed money to them.Said I was in a Car Accident went to ER..They lied cause I didnt..Wanted me to pay them money.I dsid No and hung up on them.
Called today. Male telling me that I owe ER bill $150.00 +a little that insurance company didn't picked up and told me if I make payment arrangement today it will take down from credit report.I told him I don't do anything until I see letter or any kind of proof that I owe. He said letter already sent but I never received.Checked mail box today but not there. He has my son's name, birthday and my address. I took my son to ER a couple years ago and bill went to father (Primary) and already paid more than $1000.I checked credit report but didn't see ER bill. VERY SUSPICIOUS. I think some people just pay over the phone without see evidence because it not too large amount. Be careful
ID themselves as "Phoenix Financial Services". No idea where they are located or even if this is their
proper name.
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In any event,
Just because someone on the phone calling you says you owe a debt does not mean you actually owe it.
If a voice on the telephone claims you owe a debt:
1. Demand the person give you his or her name, company name, and address
2. Demand a debt validation letter by US mail. E-mail no good.
3. Do not pay the collection agent or anyone else a dime until the debt is validated
Of course they won’t do this, no scammer ever will, so simply ignore them and block their calls.
If they are bothering you, report them:
http://www.consumer.ftc.gov/articles/0149-debt-collection (Threatening civil proceedings with no intent to follow through, or threatening criminal process in order to collect a civil debt is a violation of the Federal Fair Debt Collection Practices Act.) The same goes for endless telephone harassment
Note that the US Supreme Court in the Case of HENSON ET AL. v. SANTANDER CONSUMER USA INC., has recently ruled that the provisions of the Federal Fair Debt Collection Practices Act do not apply if the creditor owns the debt in question. As a practical matter this probably won't effect the kinds of scam debt collectors who often show up on 800notes. The scam collectors don't give you any information about themselves so it is impossible to know whether or not they in fact "own" the debt in question. Most do not send debt validation letters and many often say they are collecting for someone else. So, make the complaint anyway if they are bothering you. Let the FTC sort it out.
Also contact your local attorney general
If they continue to bother you, and you know you do not owe any money, tell them that you know this is a debt scam and that you are making a complaint to the police for extortion. Once you get a copy of the police report and they call you again , just read out the file number and the name of the PD or Sheriff’s office involved. Tell them you’ll be glad to send a copy to them at whatever address the jack***es are working out of now.
You'll probably have to yell at them and talk over them.
You have to get tuff with these people because, being akin to thugs, brute force is (metaphorically speaking). the only thing they understand.