"Letter something" doesn't lend itself to a confident answer. This is the only possible match in my files:
Phillips & Burns / P&B Capital Group - "Buffalo Bullies" formerly known as Northeast Financial, MIG Capital Management
Business names in this field can be elusive and ephemeral. What we should be asking in this venue is what *you* have learned or experienced. Then we may compare the behavior of this mystery company to what the FTC likes to see from debt collectors.
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
9/9/15 Apprx. 2 PM.......CA time.......call received from 903-200-6617......Caller ID says "Texas Call"......did not recognize number, did not answer......caller did not leave mssg. on mach. Placed number on Call Screen.