It is incumbent upon them under the law to prove that the debt exists and that you owe it, and that they have the legal right to collect it. You are not obligated under the law to prove that you don’t owe or that it is paid.
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 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
Scam. False implications of filed complaints against me. I get these calls 2-3 times a week. Been getting them for over 5 years. So far no one has sent any mail about this, I've received no subpoena, and no one is knocking at my door to arrest me. Soooo.... bring it on.
Threatening to to to my job and garnish my wages if I don't settle the matter. I'm a stay at home mom for 10yrs please come to my job and meet my friend.
Received a call from this number saying I had an account with Bank First and that they would garnish my wages etc. if I didn't pay over $1000. First I've never had an account with these people and I don't owe anybody anything. Scammer! I hung up the phone they are crazy. Left a call # 509-203-4391