Called and asked for Michael Bain and I said he isn't attached to this number. The caller said an investigator is trying to contact him to get him to sign legal paperwork. I hung up and he called again and left a voicemail with a document number. The number he called was my business cell.
They think you know this person. Common criminal debt collector tactic. they call family friends, and neighbors to create panic and embarrassment so that the intended victim call them back making it easier to scare them into paying an extortion fee.
It is incumbent upon them to prove that the debt exists and that you owe it. Not the other way around.
This is a common ploy by criminals masquerading as debt collectors who are attempting to extort money from people by scaring you into believing that you will be criminally charged, go to jail, lose your driver’s license, have wages garnished, be sued, and a variety of other variations on this, all for an alleged or nonexistent debt. One of the tricks they use is to call your work place, friends, or relatives repeatedly in an attempt to shame you into paying. They also use the “process server” ruse who calls and claims he is going to serve you, but then says you could avoid it by calling another number
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) 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/
Hello and good day to everybody apparently today I had got a phone call from a 713 area code, I missed the call because I was sleeping so I called back to find out what was this regarding about and they expressed themselves very clearly with their intent of collecting information from me and they asked me if I was calling back from a missed call so they knew. please do not fall into a trap they are debt collectors, please remember no law enforcement or government agency it's going to call you telling you that you're going to be served its [***] and one more thing if they keep on harassing you, you can report them to (do not call registry) here's their number 1888-382-1222 if they get out of hand please report them, they are there to protect you