The bottom line with this sleazy outfit is that if they could really sue you and garnish your wages, they would. They wouldn't be on this website pretending to be regular posters who are terrified of a collection agency. This company primarily buys old debt. Chances are by the time they buy it, it's already out of statute. They will lie through their teeth, though. They're calling me about a supposed payday loan taken out in 2010. I know that it went into default in mid 2007, which means it's way out of statute. They can't sue me, they can't put it on my credit report and they can't collect through any legal channels. I told the woman to provide proof of the debt and she actually said that I have to prove I don't owe it. That pretty much says it all. I got fed up with debt collectors a few years ago, learned my rights and successfully sued 2 of these companies. I am ITCHING to make Riexinger number 3!! During the first call, the woman intimated that I would be sued. This is ILLEGAL. When I called back to see what lies they would feed me, she provided an absolutely fraudulent date for the debt. That's ILLEGAL. I actually moved out of state in March of 2008 and have NEVER had a payday loan in the state where I've lived since that time, yet she claimed that it was taken out more than 2 years after I moved. When I told her to send me something in writing, she kept saying we already did, we already did, we already did.... That speaks volumes. First of all, a legitimate debt collector is required by law to provide written proof of the debt upon request. If they don't want to give you something in writing, it's because they can't. The bottom line is that these companies are parasites that use intimidation and hollow threats to try to coerce you into paying something you don't have to pay. Be aware of your rights, the laws in your state, and monitor your credit report. Demand validation of the debt in writing. If they use a fraudulent date, dispute it. If they use a fraudulent date to place it on your credit report, go online and dispute it as soon as possible. You will win. Never be afraid of these people. They're bottom feeders who buy an out of statute $500 debt for 50 cents in the hope that they can scare you into giving them a little money. They're nothing. You have the power, not them. Stay on top of them and make sure they don't try to get over with fraudulent information, but never ever pay them a dime unless they can prove that you owe a legitimate debt that's within the statute of limitations, and never ever take their word for anything.
This is a real law firm. They use illegal collection methods to collect debt, like harassing family members of debtors and disclosing information about the debt. They continue to call family members to "give a message" to the debtor. They harassed me about a debt owed by my son-in-law and I SUED THEM. I did get a settlement from them, but what they did damaged my relationship with my daughter and son-in-law. That cannot be fixed.