If it's possible you might have a bill that went to collections you might better talk to them. I thought I didn't, kept refusing to talk to them n last month they sent it to a lawyer who filed a lawsuit for them .. it is for real .. don't keep letting it go n possibly get yourself in a mess. I didn't have the money to pay it n had to get one of my children to get a loan for me to pay it so they would petition the court to drop the lawsuit.
A phone call, email or text message from a supposed debt collector is not legally sufficient evidence of debt.
The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. ["Written" means snailmailed - US Mail ... not emailed or texted]
Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via Green Dot, MoneyGram, Western Union, prepaid gift card or other untraceable means, then the call is definitely not legitimate.
IF you wish to communicate with the supposed collector / creditor, visit the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/
If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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Please reply to this post, to let us know you read it, or have taken suitable actions to protect yourself.
Call me day and night time after time and leave no message. Sometimes just hang up. Rude total scammers. I called them back and demanded to be taken off their scam list but instead get more calls.