First Source Advantage banks on the fact that most consumers do no know the laws or their rights. I for one know both. This company has violated my rights and Public Law Fair Debt Collections Practices Act. They started calling me in December of 08 offering a settlement on an old outstanding account. I accepted the settlement and told them if my Christmas bonus was enough I would pay this on Dec 27. I then started receiving at least 3 calls a day asking me to put this on a post dated check. I refused to do so as I dont have a checking account... read full review »