Never let bullies on the phone confuse extortion with debt collection. Honest debt collectors do not typically send their claims straight to a judge. They don't take your ransom money to broker quick deals with so-called "process servers" -- or your DMV or your traffic court or any other state office. There are no secretive "arbitrators", "mediators", or "prelitigation specialists", only sweaty criminals with a script full of bullying remarks. Lawful debt collection is a process, not an ambush, and you are due a chance at each stage to raise a dispute. The agents' horrid threats are empty and their conduct is illegal. Do not reward lawbreakers with your money. Challenge them always, sue them if you can.
FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection
See also this FTC alert: "Fake Debt Collectors"
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
My 90 year old mother got the same call at 8:01 a.m., woke her out a sounds sleep, totally disoriented her, and freaked her out!! This pinhead loser placing these calls should be sent packing with a one-way ticket to the nearest Taliban camp.
Never let bullies on the phone confuse extortion with debt collection. Honest debt collectors do not typically send their claims straight to a judge. They don't take your ransom money to broker quick deals with so-called "process servers" -- or your DMV or your traffic court or any other state office. There are no secretive "arbitrators", "mediators", or "prelitigation specialists", only sweaty criminals with a script full of bullying remarks. Lawful debt collection is a process, not an ambush, and you are due a chance at each stage to raise a dispute. The agents' horrid threats are empty and their conduct is illegal. Do not reward lawbreakers with your money. Challenge them always, sue them if you can.
FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection
See also this FTC alert: "Fake Debt Collectors"
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors