855-297-4027

Rude, aggressive and unprofessional.

Got a call from them as well, trying to collect on a credit card I had nine years ago. Saying I owe $4000, but would settle for  $1200 if I paid now or they would take it to court and have my wages garnished for the full $4000, she was extremely rude and abusive. Told her to get bent and do what you have to do. Keep in mind a guy called me two moths ago from the same number, same attitude and threat. Scammers!

How can I verify whether or not a debt collector is legitimate?
Here are a few warning signs that could signal a debt collection scam:

The debt collector threatens you. Legitimate debt collectors probably won't claim that they'll have you arrested or claim that they or their employees are law enforcement officers.

The debt collector refuses to give you information about your debt or is trying to collect a debt you do not recognize. You have certain rights to ask a debt collector to verify the debt. You can use this sample letter to request this information. Ask for an explanation in writing before you pay.

The debt collector refuses to give you a mailing address or phone number.

The debt collector asks you for sensitive personal financial information. You should never provide anyone with your personal financial information unless you are sure they're legitimate.
If you think that a caller may be a fake debt collector:

Ask the caller for his or her name, company, street address, telephone number, and professional license number. Many states require debt collectors to be licensed. Check the information the caller provides you with your state officials, or the state in which the debt collector holds a license. If the caller refuses or is unable to provide you with information about his company, or if you can’t verify the information he provides, do not give money to the caller or company.

Tell the caller that you refuse to discuss any debt until you get a written "validation notice." This notice must include:
The amount of the debt
The name of the creditor you owe
A description of certain rights under the federal Fair Debt Collection Practices Act
If a caller refuses to give you all of this information, consider requesting this information in writing or seeking assistance before paying the debt to make sure the debt, and the company, are valid.

Tip: You can consider sending the collector a letter requesting the information by using one of the CFPB's sample letters. You can also submit a complaint to the CFPB or you can contact your state Attorney General’s office.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know the company or person you are talking with is a real debt collector. Scam artists, like fake debt collectors, can use your information to commit identity theft such as:
Charging your existing credit cards
Opening new credit card or checking accounts
Writing fraudulent checks
Taking out loans in your name

Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Submit a complaint with the CFPB or get in touch with your state Attorney General's office with information about suspicious callers.

Stop speaking with the caller.If nothing else works and you believe the calls are fraudulent, send a letter demanding that the caller stop contacting you, and keep a copy for your files.

Tip: You can use this sample letter to write a letter demanding the debt collector stop contacting you. By law, real debt collectors must stop calling you if you ask them to in writing.

Tip: If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

http://www.consumerfinance.gov/

My work office had a message for me from this number. When I called back, the woman explained to me that they were a law office and her boss bought a dept from Capital One on a credit card I had faulted on and they were attempting to collect. This was a card from nine years ago by the way. She continues with the amount owed with interest added to be $4000 and she could do a hardship waiver and knock off the interest and I only pay $1200. This was only a credit card with a limit of  $600, so I questioned her on that if all the interest was removed why am I paying double on a credit limit of $600? She became extremely rude, abusive and down right nasty and told me if I didn't pay right then, they were going to sue me and have my wages garnished, I told her to go ahead and do it then. Keep in mind two months ago a gentleman called from this same number, same attitude and threats! I believe that this number is coming from scammers, beware please.

I noticed that you posted basically the same thing 25 minutes apart.  Now did you take the time to read Alfalfa's reply to you?  If not do so.  There is a thing called the statute of limitations which is different for each state.  A 9 year old debt most likely cannot be legally brought into court.  Here is the state by state rundown:  http://www.nolo.com/legal-encyclopedia/statut ... hart-29941.html

Did you read Alfalfa's and BigA's posts, or are you here merely to vent?
(It seems some posters are complaining,  because [the posters claim] they are here to vent rather than read answers)

Yes I did take the time to read Alfa's and researching these types of scams. I will be looking into this further to find out if it is ligit or not. Just doesn't gel right with me nor can I find this huge dept on my credit report. Thanks for your info as well.

No I'm not here to vent. I have read said above post and it has been helpful. Also just putting it out there to be careful and to not fall prey to a possible scam.

Jason--

They CANNOT sue you on a time-barred debt. And, inform them if they persist with their threats, you will prevail in court.

What should I do if I'm sued for a time-barred debt?

Defend yourself in court. If you're sued to collect on a time-barred debt, pay attention, and respond. Consider talking to an attorney. You or your attorney should tell the judge that the debt is time-barred and, as proof, provide a copy of the verification from the collector or any information you have that shows the date of your last payment. The lawsuit will be dismissed if the judge decides the debt is time-barred. In any case, don't ignore the lawsuit. If you do, the collector likely will get a court judgment against you, and possibly take money from your paycheck, bank account, or tax refund.

Assert your FDCPA rights. It's against the law for a collector to sue you or threaten to sue you on a time-barred debt. If you think a collector has broken the law, file a complaint with the FTC and your state Attorney General, and consider talking to an attorney about bringing your own private action against the collector for violating the FDCPA.

https://www.consumer.ftc.gov/articles/0117-time-barred-debts

I am having a hard time finding any info on "Scott Lenovo & Associates"  I have doubts as to their existence.