Fraud is a crime. Crimes are handled by public prosecutors. No debt collector has anything to do with prosecuting a crime. Being in ordinary civil debt is NOT a crime and you cannot be prosecuted for it. Simply ignore and block the calls.
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 under the new Supreme Court of the US decision in RICKY HENSON, ET AL. v. SANTANDER CONSUMER USA INC., the provisions of the Federal Fair Debt Collection Practices Act do NOT apply to creditors who purchase debt and in fact own it; it only applies to creditors who represent third parties.
Nevertheless if you are being harassed by any sort of debt collector and you do not know the status of the debt, (and most debt collectors will not reveal anything about themselves at all) a complaint should still be made to the FTC.
In many cases there is a real question as to who, precisely, “owns” the debt in question. The law will certainly apply to debt collectors who in fact have no claim to the debt but are still trying to collect it. The law will certainly still apply to fraudulent debt collectors where the creditor has no legal interest in the debt at all.
There may be more legal cases down the line.]
Note that you can still contact your local state attorney general. Many states have laws limiting what any debt collector can do or say in the collection of a debt.
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. Tell 'em no scammy debt collector is going to push you around.
You have to get tuff with these people because, being akin to thugs, brute force is (metaphorically speaking). the only thing they understand.
I would suggest that you use the following along with the information that CWG40 and I have posted (mine is on page 4):
You need to send them a certified, return receipt debt validation letter (think of it as the best $6.47 you ever invested). Also send it first class mail in case no one will sign for it. Make a notation of that fact at the bottom of the letter. You also need to report them to the proper agencies to which I have provided links to. Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment. If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it. Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front): http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All