Called looking for a family member, couldn't give any information regarding the reason for the call but wanted me to give family member's phone number. I don't give out phone numbers to anyone.....especially when they get rude with me on the phone.
Someone named Bruce from Reliance Capital Solutions left a message for me to call them. I looked it up and they are a debt collector for student loans. I am not sure why they are calling me, because I don't have any students loans and have never had student loans. If they are not going to leave more information about why they are calling, I don't plan to call them back...might be a scam.
I don't know where you got the idea they only collect student loans, as their website clearly states otherwise. Legally, they cannot leave more information without verifying who they are talking to. Leaving that information on a voicemail where they have no idea who might hear it would leave them open for a lawsuit. Since they left you a message, they are now required to do this:
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.
If they don't, then they have violated Federal Collection Laws. In any case I would do this
You need to send them a certified, return receipt debt validation letter (think of it as the best $6.47 you ever invested). Also send it first class mail in case no one will sign for it. Make a notation of that fact at the bottom of the letter. You also need to report them to the proper agencies to which I have provided links to. Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment. If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it. Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front): http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All
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.