844-694-2579

Scam! REAL process servers don't warn you in advance and they certainly don't take bribes to not serve you. Block and ignore their calls.

She is a LIAR hoping to steal your money.  Give your state attorney general a call. She is  making an illegal THREAT!  BTW - judgements come from a judge/court, not a cold caller.

This is the letter I received

This letter is to confirm your account with Montgomery Financial Solutions. The debt was originally incurred on March 29, 2013 with lender Web United. The debt was assigned to our office August 07, 2017. The current amount due to our office is $500.00 which includes interest and fees accrued the original balance.
We will need payment information on file in order to set up your payment arrangement. Once payments have cleared your financial institution, your account will be considered paid in full. You will then receive a letter describing the closed status of your account in the mail.
We would appreciate your cooperation in order to resolve this matter in a timely manner. If processing your payment by credit card please contact us for assistance. We can be reached by phone: 844-694-2579 or by email:  montgomeryfinancialsolution@gmail.com. If making payments by credit card you will see a payment deducted from or charged to your account in the name of our processing divisions, Capitol Recovery and ZFN. Additional fees may apply. All money orders and cashier checks should be paid to the order of and mailed WITHIN 10 DAYS OF THIS NOTICE to the following:

Montgomery Financial Solutions
331 East Main Street Suite 200
Rock Hill, SC 29730

If that is all the letter said, then it violated Federal law which states:
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.

In any case you should immediately do the following:

You need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt) letter (think of it as the best $6.59 you ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Read up on your rights here and also make a complaint at this government site:  http://www.consumerfinance.gov/

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

I can't find a website for that company.  I found a state registration in North Carolina that is 3 months old but I'm not sure it is the same company.  That address is a Regus building which means that it is a virtual office.
Absolutely do not pay them one red cent.

These creeps called twice in as many days.

These folks are scammers or phishers. Don't give them any money, information or time.

What I've read elsewhere: UBS, a collector, is behind these calls. What they're doing is illegal, if so.

Peace be with you. Transcript follows.

***

(901) 203-3157
7 min ago
this message is intended for Ladonna Love I'm contacting you from the processing division. I received an order for you. It looks like two charges pending now unfortunately because I'm unable to reach you by phone. I will be actively pursuing you at your place of employment and your residence you have the right to contact the client to resolve this matter voluntarily understand when you are located you 4 fit that right your case number is. 39407 4 you Can Reach the Office at 844-694-2579

That's what I received too. Not sure what I should do

Except block the number. These scammers are trying to scare you into paying a debt you may not even owe. If you speak to them again, tell them to mail you proof of the debt. If they say no, they're a scam.

they keep calling saying that i have 2 charges against me

If they "keep calling", you should block the number.

They actually called my brother in a different state looking for me.  Financial Services is what they said.  They gave him a couple of reference numbers.  This is bs googling my name to find any one who is connected to me....