Called and asked me to verify my address and social, which she provided to me. I stated I would not verify any information and she refused to state anything until I either said yes the information she provided was mine or not. I kept asking and she said she was from Southwest Credit Solutions.
Well known around here for doing anything and everything in order to scam people out of money by violating all federal and state collection laws.
You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter (think of it as the best $6.47 you ever invested). Also send it first class mail in case no one will sign for it. Make a notation of that fact at the bottom of the letter. You also need to report them to the proper agencies to which I have provided links to. Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment. If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it. Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front): http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All
Everything else you need to know follows including at least two agencies where you should report their criminal activities.
Web site lists an address in Texas: http://www.swcgroup.com/
BBB gives them an accredited B rating with 476 complaints and 7 negative reviews: http://www.bbb.org/dallas/business-reviews/co ... rollton-tx-2351
Texas doesn’t give out much information for free, but by using Bizapedia, I was able to determine that they are also registered in Florida. Sunbiz.org has this:
Foreign Limited Partnership SOUTHWEST CREDIT SYSTEMS, L.P.
Filing Information
Document NumberB03000000334 FEI/EIN Number200112204 Date Filed10/06/2003 State TX Status ACTIVE
Principal Address
4120 INTERNATIONAL PARKWAY
SUITE 1100
CARROLLTON, TX 75007
Changed: 01/29/2010
Mailing Address
4120 INTERNATIONAL PARKWAY
SUITE 1100
CARROLLTON, TX 75007
Changed: 01/29/2010
Registered Agent Name & Address C T CORPORATION SYSTEM
1200 SOUTH PINE ISLAND ROAD
PLANTATION, FL 33324
Name Changed: 11/23/2009
Address Changed: 11/23/2009
General Partner Detail Name & Address
Document Number M03000003337
TRIGON INVESTORS, LLC
4120 INTERNATIONAL PARKWAY, SUITE 1100
CARROLLTON, TX 75007
I was then able to ascertain that Trigon is the actual owner/company name: http://start.cortera.com/company/research/l1n3sym3m/trigon-investors-llc/
And from that, Bizapedia lists some of the head criminals at this organization:
http://www.bizapedia.com/tx/TRIGON-INVESTORS-LLC.html
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