Received an automated message stating a recent purchase on my debit or credit card has been declined and to press 1 to speak with someone immediately... I knew this was bogus at this point but wanted to see just for my own curiosity so I press 1 phone rings funny then SURPRISE debt collector for a bogus payday loan...lol ignore it
Except for 2 states, SOL means that they can't take you to court, not that they can't try to collect. Now the one thing none of those people calling you can do is what is required by law, which is:
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 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, 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
Received the same message,even sent me a statement in a e-mail verifying a unpaid payloan,which I didn't have,claiming some company AMSG.They are continually harassing me.