My family and I continue to receive calls from these “clowns” regarding a payday loan for my ex sister-in-law, who we haven’t seen or heard from in 25 years.  They are a debt purchaser, the debt likely exceeds the statute of limitations (in NJ it is six (6) years to collect), they use a spoofed number which is a direct violation of the Fair Credit Reporting Act, they “robo dial”, they disclose information to a third party (me being a third party) and do not disclose the company they work for nor do they provide you with the name of the “creditor” they represent.  Additionally, they threaten civil and criminal legal action which is illegal unless they intend to take the individual to court.  As for criminal charges, the United States does not have debtor prisons so they cannot “throw you in jail” like they claim.  We have asked them to stop calling for over six years, I have informed them of the behavior that is not permitted due to the various laws and statutes but my requests have fallen on deaf ears.  Now I am flipping the script and I am calling them A LOT – as a matter of fact beyond daily…last night after I had yet another unpleasant exchange with a “collector” who clearly had no clue what she was doing when she called and I very sternly explained to her she was breaking the law – she became rude, I became belligerent and crude.  To my shock, she hung up on me…but wait are they not using skip trace to track someone down that I have had no contact with, someone they could easily track down through social media?  Hmmm, so what is a determined woman to do…how about I called them 207 times over the course of thirty minutes, finally the woman answered said “Keep calling I am going home for the night.”and hung up…so I filled their voicemail up – they are not conducting themselves legally so neither will I.  The intent is to fill up their voicemail so they are unable to victimize others.  My only hope is they get sick of me calling and file criminal charges against me so that I can sue the pants off the company, and have them and their affiliate companies finally shut down.  Look if it was a legitimate debt and my sister-in-law owed it she should pay it, but if the statute of limitations expired and they purchased the debt for pennies on the dollar they have NO RIGHT TO HARASS ME.  So Miss Beverly enjoy the calls.  And to those of you on the receiving end of their harassment, one of the spoofed numbers is 720-450-9226.  By the way, turnabout is fair play – it doesn’t seem that these fools want to talk to me…last night I used three separate lines and I am sure they have marked them as DO NOT CALL….what I said to them was not nice nor was it appropriate but it was clearly effective.