So fed up with these messages from bottom feeder collection agencies threatening to sue you and have you arrested. I have told them I'm not who they're looking for and to please stop calling me. I have absolutely nothing in collections or am I behind on anything. I block them and they keep calling me from different numbers. So annoying! This particular one poses as an attorney's office (no name or identifier). She refuses to give her name. I've told her before I'm not who they're looking for and to please stop calling. She is extremely rude and refuses to believe me. It's an Atlanta, GA caller ID.
So fed up with these messages from bottom feeder collection agencies threatening to sue you and have you arrested. I have told them I'm not who they're looking for and to please stop calling me. I have absolutely nothing in collections or am I behind on anything. I block them and they keep calling me from different numbers. So annoying! This particular one poses as an attorney's office (no name or identifier). She refuses to give her name. I've told her before I'm not who they're looking for and to please stop calling. She is extremely rude and refuses to believe me. It's an Atlanta, GA caller ID.
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.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php