I've been contacted by this company and OH BOY. The first time, I was informed that this was a legal office, NOT a debt collection agency. I asked for a bill, so that I could contact my old insurance company and see what happened. The agent said that it had been too long and they probably wouldn't be able to get that information. They did, however, send me their own bill on their own "letterhead" which didn't give me any actual information. After talking to a lawyer friend of mine, I sent them a letter that asked them to send me verification of the debt, aka a bill from the original owner of the debt. I sent this letter by certified mail, and asked that they also send me the verification by certified mail. I got the return receipt, and for a month, got no calls. Now, it's January, and they've started calling. I've been keeping a log of when they call, and the moment they get past the "This is David Reitman calling to collect a debt," I simply say that they need to send verification of the debt by certified mail, and until then, they need to stop contacting me, and then hang up. They've gotten pissy with me, and also offered to "make me a deal," but I've yet to see legal proof that I owe them money.
Unfortunately being in the collection business is quite hard. Many people simply refuse to pay their bills blaming someoen else for them. Every single day we hear all kind of excuses, i have insurance, the state should pay, OBAMA should pay! These people are quite skilled about avoiding paying off their bills. Before any bill reaches a law office it has gone to a collkection agency before. Unfortunately 90% of debtors are under the impression that they are no responsable to pay for somethin they got.
If "Legal Eagle" and "Parelegal" [sic] want their profit from their purchases of receivables, they need to provide documentation. The onus is on the collection agency to prove to the consumer that he/she has actual debt. No one should EVER blindly give credit card and other personal information over-the-phone. Basically, you guys are scum!