Could it be that this company called "Procedures" in Forsyth, Montana may be either associated with Cardholder Services or is a copy-cat debt collector predator?  This is probably Cardholder Services routing calls through another city or other inadvertent or impostor professional trying to collect debts that I do not owe… just one attempt to harass, violate civil liberties, violate civil rights, defraud, abuse, waste, repeatedly perpetuate racketeering activities, other crimes and wrongdoings, including ongoing assaults against humanity conspiracies many per day according to vital empirical prima facie forensic evidence and related facts, etc.
Turn the Tables on Zombie and other Debt Collectors with Best Defenses:  A Good Offense with Absolute Defenses with a criminal attorney that earns many times more to obtain mega judgments and consider the advantages of small claims court to obtain mini-mega judgments up to $25,000, as described herein:
“Zombie Debt’” is the term being used by financial experts to describe collection agencies that are targeting your old bankrupt debt.
Zombie Debt collectors typically target bankruptcies over ten years old, knowing you probably don’t have your bankruptcy paperwork anymore.
Trying to collect debts discharged in bankruptcy is illegal.  Trying to collect debts that are not the person’s being sued is futile when those persons have absolute defenses.
Some Zombie Debt collection agencies even look to see if you have reestablished good credit before contacting you.
They know that if you have reestablished good credit you are more likely to pay your old discharged bankrupt debt, simply because they know you won’t want something negative on your credit report after you have worked so hard to clean it up.  Invariably, inadvertent or impostor professional career criminal predator con artist masterminds’ core or enterprise groups’ co-masterminds, co-conspirators and/or facilitators illegally list debts on our credit report(s), etc. in order to defraud, abuse, waste, use criminal misconduct, violation of civil rights, violations of civil liberties and other ongoing assaults against humanity that are worse than any financial war… so we can turn the tables on those Zombie and other debt collectors.  Why?
“The world is a dangerous place to live, not because of the people who activities are evil, but because of the people who don’t do anything about it.”  Albert Einstein.
What’s the best way to defend your-self against nasty “Zombie Debt” and other collectors?
The best defense is a good offense, absolute defenses and a criminal lawyer that charges as much as possible, probably $1,500/hr., $1,850/hr., or more because the FDCPA requires those debt collectors that break the rule of law to pay our and your legal fees!  See www.JurisDictionary.com and www.creditwrench.com and other results of your research and studies via www.ixquick.com so that you can communicate with your criminal lawyer in Federal Court where the rule of law matters more than the sinister games of good old boy power politics in which any branch or a combination of branches of government(s) becomes an instrument of coercion for the creation of special privilege for special interests, which forces the government to abdicate its legitimate role of serving as an impartial vehicle for the administration of justice (the safeguarding of life, liberty, property and the pursuit of happiness), legislative and executive decision making, which forces government to become OUR ENEMY, THE STATE, an agent for oppression of innocent citizen victims.  
“It never occurred to the lawyers (and other professionals) that they should suggest or insist on any improvements in the system(s).”  Franz Kafka, “The Trial.”
One other effective option that is an effective offensive tactic you can easily and inexpensively administer is to take a collection agency to Small Claims Court – including in some states where attorneys are not allowed to practice.
Traditionally, Small Claims Courts bend over backwards to help “the little guy” defend themselves against corporations (including collection agencies) that try to take advantage of them.
Taking an agency to Small Claims Court – with no attorney’s fees – can be as inexpensive as $20 to $100 (call your local court to get exact filing fees), and can easily result in your being awarded as much as $25,000 for damages.  http://law.freeadvice.com/resources/smallclaimscourts.htm
And that doesn’t include any state-specific penalties you may be entitled to (check with your local courts for state specific laws). Remember, trying to collect discharged bankrupt and other debt are illegal, so you have a right to sue them for damages simply by virtue of their pestering you.
There’s a “List of Discrepancies” for which you are entitled to receive damages we’ll cover later.
And one legal advisor who works for a collection agency estimates that as high as 97% of such Small Claims cases against collection agencies are settled out of court in favor of the person suing the collection agency, because the agencies know they’re wrong, and don’t want to go to court.
NOTICE: We are not attorneys, nor do we represent ourselves as such. We do not offer legal advice of any sort. The information contained herein does not replace competent legal or other professional advice. It is merely the result of our research, including the personal opinions of professionals who deal with these issues and have freely given their input. The burden of confirming the timeliness and accuracy of this information, prior to its use, lies strictly upon any individual or parties who may be facing the circumstances described herein.
All these questions, allegations and opinions are subject to errors, omissions,“The Myth of Moral Justice, Why Our Legal System Fails to Do What’s Right” by Thane Rosenbaum, Fordham Law School; “Juris-Mania:  The Madness of American Law” by Paul F. Campos, University of Colorado Law School, other original, convincing and devastating indictments against the relative legal, ethical and moral (non-religious) justice, legislative and executive decision making enforcement systems; the classic critique distinguishing “government” from “OUR ENEMY, THE STATE” by Albert Jay Nock; the works of investigative reporters covering racketeering, other crimes and wrongdoings, including fraud, abuse, waste, criminal misconduct, violations of civil rights, violations of civil liberties and other ongoing assaults against humanity, for example:  PBS’s “The Secret History of Credit Cards,” Business Week’s “Prisoners of Debt,” and the fifty (50) year bestseller by “William Wilberforce, A Hero of Humanity,” that has done more for humanity than anyone in the world without bloodshed, an annotated reissue of the First British edition of 1797, “A Practical View of the Prevailing Religious System of Professed Christians, in the Higher and Middle Classes in this Country, Contrasted with Real Christianity,” now a Hendrickson Christian Classic series in 2006 with a short modern title:  “A Practical View of Christianity.”
“As the aging William Wilberforce wrote in the conclusion to his fifty (50) year bestseller:  “I must confess equally boldly that my own solid hopes for the well-being of my country depend, no so much on her navies and armies, nor on the wisdom of her rulers, nor on the spirit of her people, as on the persuasion that she still contains many who love and obey the Gospel of Christ.  I believe that their prayers may yet prevail.”
“Wilberforce’s confidence was not misplaced.  My the same hope prevail for us today, and this 50 year bestseller, as you read it, inspire you to action – to a bold new affirmation of your faith, as it did for so many Christians in Wilberforce’s day.”  Charles Colson, Washington, D.C., December, 1995. Laus Deo!