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MLV

You need to try and contact them maybe early in the morning or even on a lunch break.  At least see what they are talking about.  Tell them you need something in writing so you know what they are talking about.  If they can't produce anything in writing then don't believe them.  If they are legit then they should be able to produce some type of an affidavit to prove that they either own the debt or are working for a client.  Usually if its not on credit report then its not valid but these types of offices that buy debts can remove the delinquent status on you credit report and replace it with either a judgement or if you paid it then a paid status.  Because these places own these debts they have full right to reporting on the credit reports.  See the thing that people don't understand is they have all right to take you to court if the debt is valid.  A lot of people just disreguard the paperwork and the calls but if they send a summons to appear in court and you can't prove its not valid or don't even show up then the judge will rule in their favor.  The fine print always states that anyone who buys this debt does have the right to take you to court for up to 10 x the balance.  Now I'm not saying a judge will grant them 10 x the balance but by law they have the right to go after you for that amount.  It also states that they can accrue interest on the account until you start making payments or settle the account out.  What I would do is get a hold of whoever called you and make them give you some paperwork( affidavit ) on the account before you do anything.  Just because you don't see the debt on your credit report now doesn't mean they can't place a judgement on it later.    
If you have any questions just ask and I usually try to check this at least once a day.

Joseph Beeler

Hello tweetie,  gee should i pay Moreno and Woods what they say we owe. a relative died not having bad debt or owing any credit card, even the credit card confirmed it, and credit report. Citibank said it was not a number issued by them. Citibank gave me the number to fraud division of FBI. They even contacted them to give all information. I suspect you work for that shop. I know you are giving false and misleading informaton. I hope they call me one more time. Its very easy to have the authorities tap or trace lines.The special agent i report my information has been monitoring this site .

blah blah blah ....just another way to get out of paying your bills......bottom line is that if someone owed you money would you let it go just because they took a long time to pay.....i dont think so....but i guess there are some small minded people that will look at this site and maybe think that they have a way out...but thank god for the thousands of honest people in the world that actually take responsibility for there actions and pay what they owe when they owe it...and those people are the ones that actually can go to sleep at night knowing that they have at least somewhat of self respect than to get mad at the people that helped them out in the first place by giving them credit which if most of you were met face to face and didnt lie on credit applications would never get credit....enough of that ...bottom line is if you have any common decency and self respect then you will pay your bills if you know that you owe them no matter when what or how it became delinquent...