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
Timothy Gomez with Grayson Legal. Phone number was a direct line to him. Other people were talking in background. Would not verify lawyers names in which he worked for. Would not verify physical address of company. He did verify the address as P.O. Box 1175 Charlotte, NC. I'm not going for the scam. If they are for real they can take me to court. Guess I'll update later if there are any changes.
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