Stanley C. Kotteman, Jr. and Associates called my residence and left a message.
1) Any collection agency is controlled and regulated by the STATE in which they do business. Ex: LA.-John Ducres, Financial Advisor regulates collection agencies in this State. It depends upon the STATE.
2) If consumers report Collection Agencies to the FTC-Federal Trade Commission for harassment (which is against the law), then they get fined $100.
3) We have Prepaid Legal. If you purchase Prepaid Legal then you can get representation with a credit matter.
4) Also, if someone is on S/S Disability or SSI, the creditor/collection agency might be a little easier on them, since they are on a limited income.
5) If you would like Prepaid Legal just email:
[email protected]
6) This should take care of Collection Agencies in the USA.
Hope this has helped other consumers.