866-744-1825

The caller is saying that I owe 6k for a credit card company from 15 years ago and if I don’t pay I will have a bench warrant and a Leon on my house. I have great credit and know nothing of this credit card company.

This must be a scam very harassing to collect a debt from 15 years ago I know nothing about. Very poor skills in trying to collect a debt..🤦‍♀️

Need to get signed documents ….I guess hello my name is Robert Zimmer I'm in an independently contracted process server with naps which is the national Association of professional process servers the reason for the call is we are scheduled to deliver certified documents to you either today or tomorrow between the hours of 3 PM and 6 PM are the reason for the phone call is the documents do require a signature so we are needing to verify you'll be there to sign for it once the documents are delivered if you have any questions or if this timeframe does not work for you as far as getting a signature please contact the issuing agencies office that would be fist of law group they could be reached at 866-744-1825 again that's

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, email, or text (postmarked in the case of a letter) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. Unless they have communicated it to you verbally at the beginning of your conversation. It also must contain the “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 communication 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 communication you should immediately send that debt validation letter by certified, return receipt mail.

You can also file a complaint with the FTC who will then direct you to the CFPB.  Or you can simply go to the the FTC website and file a complaint which will again be redirected to the CFPB.  No matter what you are going to end up reporting the complaint to the CFPB so why not go there first and forget about the FTC?  I mean seriously, you are not actually going to report anything about debt collection directly to the FTC but hey, knock yourself out!  https://reportfraud.ftc.gov/#/assistant

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

This is disappointing. The got me for 2k They had all the valid in for my last 4 sai my full name and address. The works! I now have to reach out to my bank and see how I can fix this mess.

I would suggest that you also file a police report since money was transacted and give that to the bank as well.  Make sure the you file reports with the above Federal and State Agencies.

They first left me 3 messages, than  called me demanding payment for a debt that was unpaid 20 years ago, requesting three thousand dollars for not submitting paper to court.