Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://800notes.com/faq/attorney-general
They called at 3:29pm.
We have had this Texass area code blocked for over two years.
No calls from the 469 area code can make our phones ring.
Please purchase a blocker if you can. They work and they are inexpensive.
Received call but nobody talking, after saying hello 3 times I heard what sounded like leaves rustling and a voice wanted to know if I needed working capitol. Said no several times and the poor English speaker said 'Yru mother wears a headdress' then hung up.