404-835-0786

Received a call from this number, saying there has been a complaint filed against me. Was told to immediately call them back at 1-800-657-5430

Received a voice message left by a recorded message, saying a complaint was filed and I was to immediately call 800-657-5430.

call is from a debt collection legal office that is doing wage garnishments and bank levies. i paid the bill to avoid any further headache.

Either you aren't too bright or you are a pretty lousy lying shill.  My guess is both since shills are never smart.  No such debt collector or "legal office" exists.  That means that you are part of this extortion plot and are a scummy, lazy, stupid criminal.

Folks, anytime someone says that they are going to garnish wages and do bank levies they are lying.  How do I know.  Simple.  They have to go to court and win their case before that happens.  Don't let losers like "mike" scare you into paying them one red cent before they follow the law.

Whenever someone tells you that they are a "lawyer" or that they work for a lawyer or law firm, the first question you should ask is what state(s) they are registered in and their BAR number for that/those state(s).  Then go to that state and check them out, contact them directly using the information in the state registration, as these crooks have been known to research real law firm names and attorney names and impersonate them.

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.  If and when you get that letter you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file complaints with the FTC: https://www.ftccomplaintassistant.gov/#crnt&panel1-1

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general