These [***] call as early as 8am and as late as 10pm. Today, for the third time, they seemed to have bypassed my answering machine. It usually plays a message that tells the caller they are "not authorized", but this is the third time, the machine played nothing and a prerecorded message is played by the caller (Oxford Mgmt) and recorded by the machine. The machine is digital, so I suppose they could over ride the program. Anybody else experience this? My ex has been gone for 2 years, but they keep calling me.
If they tell you that you have to pay a "processing fee" over and above the amount you owe, DON'T DO IT. Check out the FAIR DEBT COLLECTION PRACTICES ACT on the FTC website at http://www.ftc.gov under consumer protection.
Also, if after you read the FAQs you feel your consumer rights have been violated, call the FTC or go on their website to file a complaint.