Have you spoken to them at all? They are calling and Saying there are Allegations and court action being taken. I asked them to send documentation and they said they don't have it, the original creditor does and then they couldn't give me the phone number because it was a conflict of interest!
Have you spoken to them at all? They are calling and Saying there are Allegations and court action being taken. I asked them to send documentation and they said they don't have it, the original creditor does and then they couldn't give me the phone number because it was a conflict of interest!
They "don't have documentation" and won't identify the original creditor or give their contact infiormation. Does that sound like a legitimate company???
If there was court action, you would receive a summons WITHOUT warning. This certainly sounds like a company/person trying to extort money without proof of the debt.
This is a common ploy by criminals 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, etc. all for an alleged or nonexistent debt.
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 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