JANET may be a scammer shill. Legit collectors per section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf *must* tell you at initial contact, or send you paperwork within 5 days of initial contact, the following:
1. $amount of debt,
2. name of the current creditor (which may differ from the original creditor who might have sold your debt),
3. a statement that that debt will be assumed to be valid unless you dispute in writing within 30 days,
4. a statement that that if you do dispute in writing within 30 days, the collector must mail you written verification of the debt,
5. a statement that if you ask the collector in writing within 30 days, the collector must send you the name and address of the original creditor if it's different from the current creditor.
If you don't get the 5 disclosures, orally or in writing (you do not have to ask for them, the FDCPA requires collectors to provide them), treat the collector like you would any SCAMMER. Scammers are using bought/hacked loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG, as appropriate
Caller asks for a man named Eric then when told she has the wrong number she argues that I am his girlfriend and she spoke to me last week... HUH???!!!
This number has been calling me and I haven't answered, so I finally answered today, and it was a woman named Amy wanting me to pay on some tickets I had back in 2008 that I already went to court for and paid. The total amount for the bills were $900-something, but at first she tried to say that all 3 of my fines were $900-something a piece and I was like, "No fricking way is that possible!!!!!!" Then she said, "Let me double check on this", and came back to say that all 3 equalled that ammount that she didn't understand why they had that on there like that! I hung up and I am calling her back tomorrow to tell her that I know it's a scam that I'm calling my local police department to report it. She gave me her name, number, and extension number!!!!!!!
Everyday they call asking for a Richard Howard.... Don't know a Richard Howard... but they argue and say that I am Richard Howards girlfriend and that I need to stop covering for him... OH PLEASE
I received a call from this number but since I didnt recognize it, I didnt answer the call. I called the number the next morning because the area code and prefix are local numbers in my area so I was curious. The call was answered by Amy at Solutions Debt Collection. I knew I didnt have anything in debt collection and when I confronted her she just said it must have been a wrong number. Its a scam