It is incumbent upon them under the law to prove that the debt exists and that you owe it, and that they have the legal right to collect it. You are not obligated under the law to prove that you don’t owe or that it is paid.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked 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 of 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 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://800notes.com/faq/attorney-general
Caller said he was Jason from the National Insurance Foundation of America, a non profit organization that helps people get lower car insurance. He asked if he could ask me a few questions. When I asked him if he was trying to sell me car insurance he said no. The callers response was always delayed. He then hung up.
Call received from this number. Didn't recognize, didn't answer. No message left. Validnumber.com says the line is a landline out of Honolulu, carrier "NEUTRAL TANDEM - HAWAII, LLC." As I've seen reported elsewhere with other numbs, likely a spoofed number from a scam artist.
just got a call from them they said they could lower my car insurance, even with out introducing themselves. I asked who they represent, caller said National Insurance Foundation of America. I asked them how they got my phone# and they hung up.