I have received voice mails and conversations with the same man that other consumers have. I have had collection experience for at least 10 years involving first party debt and third party debt. He falls into 3rd party debt collector, and by no means can he threaten anything that he is claiming he can do. He is so breaking every collection law in the book. When a collector is trying to collect bad debt, he is suppose to say the miranda rights first thing. This is a statement that includes this is an attempt to collect a debt and anything... read full review »