Did she MAIL you a WRITTEN DOCUMENT giving her company name & address, original creditor information, dates, amounts, etc. as per the FDCPA?? If not, think SCAM. Phone calls are NOT an official notification of debt. If the charge was real, you would receive a summons from a licensed process server (without warning). The call coming from the Niagara/Buffalo area is a red flag.
I just got a call from Elaine Dean as well. her message said I NEED to make myself avaiable tomorrow between 12- 5pm because thay are suing me for ... get this... $429.00- taking me to court and garnishing my wages. I called my debt relief guy and he said NO ONE sues for 429.00 and it's probably a scam and not to give my info out, we reaserched this - these people should be ashamed of thermselves.