A phone call from a supposed debt collector is not legally sufficient evidence of debt.
The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:
* Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. ["Written" means snailmailed ... not emailed or texted]
Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via green dot, Western Union, or other untraceable means, then the call is definitely not legitimate.
IF you wish to communicate with the supposed collector / creditor, visit the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/
If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
The name of the company is National Service Bureau. It is a debt collection agency. Repeat, the IS a debt collections agency. They will keep calling. If you have an Android or other kind of smart phone, I suggest using the app I use (Call Filter) to filter out this and other collections company numbers who use deceptive and other harassing, rights violating tactics to bother hard working Americans. Whether a debt is valid or not is of no consequence when they use illegal and morally objectionable tactics such as not identifying the company when one answers. They give a personal name and usually some letters to identify the company. When asked for details they get deceptive and vague. I've reported them and blocked them with my phone's app. Bye bye calls. ;)This information is accurate and has been verified redundantly to be sure of accuracy of information I am sharing.
They are a collection agency and are relentless. They are trying to collect on a 9 year old debt. They found my husband's government desk job number and call that. A common theme is a "Victoria Powers" (lol Marvel comic character..) who will occasionally leave messages about a "pending case". Trying to use scare tactics to collect the debt. They call on several numbers that begin with the 857- prefix. The two that I have regularly blocked on my verizon line is 857-453-4364 and 857-453-4292
They are calling me on a medical bill that I believe my insurance should have covered. I was very ill 2 years ago am 64 years old and can't afford to or want to pay. I've hung up on them. And they still call.
A phone call from a supposed debt collector is not legally sufficient evidence of debt.
The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:
* Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. ["Written" means snailmailed ... not emailed or texted]
Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via green dot, Western Union, or other untraceable means, then the call is definitely not legitimate.
IF you wish to communicate with the supposed collector / creditor, visit the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/
If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors