Send them the following letter to verify the debt... keep all copies of their original letter send it certified return receipt and regular mail its also suggested to include the certified mail number in the letter as additional proof it was certified, keep the signed certified post card as proof they received it..chances are they can't verify the debt and will stop harrassing/ collection action ------------------------------------------------------------------------ March 03, 2009 CERTIFIED MAIL, RETURN RECEIPT... read full review »

There is a huge SCAM, a multimillion dollar SCAM, being forced on the american public!! And our legal system is in on it! third party debt collectors!!! When you stop paying on a credit card debt, The original creditor is mandated by federal law, to charge-off an account when no payments have been received for 180 days. That date is refered to as the �Date of Last Activity (DLA)’ and reported as such, to the credit reporting agencies by the creditor. After they write it off, they "Bundle" all these... read full review »