I have been receiving telephone calls from "Inspector.........." calling on behalf the law firm of Richardson and Sims alleging Chase Bank retained them to file suit against me.....they refuse to give their address or the required "mini-Miranda" required by the FDCPA. The only problem is Chase NEVER hired them and the account they alleged is way beyond the Statute of Limitations so even if there was a balance no lawsuit CAN be filed - even if it were a legitimate debt. After talking to about ten different "inspectors" ( one even had a Police scanner on loudly in the background ) I received a call saying I was going to be arrested on Fraud and Defrauding a Financial Institution and arrested probably the next day....oh, and that legally they could increase the amount they claimed 378%, to over $30,000 !!!

that was the last straw, I filed a police report asking for an investigation and prosecution, having tracked them down not to South Carolina, but upstate New York to a small city called Tonawanda.  The states of Florida, New York, and South Carolina are investigating, the lead being Tex Davis of the South Carolina's unlicensed practice of law.  I'm going after them civilly for $250,000.  It seems debt collectors are now doing this under assumed names.  Lobby your federal lawmakers to increase the Statutory fines to $2,500 and tie it ti the Cost of Living increases..... current penalties are being laughed at by the debt collection industry, who now work hand in hand with each other to pass things around even after they are disputed, and the current Attorney General Eric Holder could care less about consumers