This place keeps calling me and leaving me threatening messages in regards to owing money which I do not owe, for an account which I have never heard of. They threaten to take legal action of numerous charges. When trying to speak with them reasonably they argue with you. I informed them that I was hanging up the phone and they called back 17 times and left threatening voicemails. This is harassment in the worst of ways. They are infuriating and they all have the name Steve but have such a strong accent that they can barely pronounce their own name.
All debt collectors are required by law to send you a DEBT VALIDATION. This is sent through the USPS ONLY (email, text, faxes, carrier pigeons, smoke signals...none of those count) and state when you incurred the debt, to whom you owe the original debt, and how to proceed should you not recognize the amount.
This must be sent within 5 days of the first time the company attempts to contact you.
REAL DEBT COLLECTORS SEND THIS. Scammers do not.
A few other things to know-
-You cannot be arrested for ordinary debt in the United States.
-Process servers do not call in advance. They only get paid if they deliver you papers the court (not a private company) has ordered be delivered, and if you flee, they don't get paid. Therefore, they do not call ahead of their arrival.
-Likewise, officers do not call you to tell you they will be arresting you. Why would they?
http://www.consumer.ftc.gov/articles/0149-debt-collection
This link contains all the rules debt collectors must follow, and includes links where you can report criminals who choose not to follow the law.
I got the same kind of call that holly did. He read the "affidavit to me over the phone the accent was so thick I could not understand him. He never told me who the debit was owed to and he says they email the affidavits to me on an account I have it used in a long time. I told him this phone call was over. He called me back on a different number 3x leaving 2 messages and the 3 rd call nothing. I blocked the phone number.
This hardly speaking English guy told me that his name was Brian and started off trying to listen too his big line of BS I cussed him out told him I wasn't the person he was looking for because he never told me the name I told him to go f himself and leave me the f alone and to not f*ing call me again and to have a great f*ing day!!! I blocked the number!! What's the point of having a do not call list if it doesn't even work!!!