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If you have an android phone, download the Call Filter app.  It automatically blocks unknown calls, and you can add numbers to a filter that sends them directly to email.  Your phone only rings one short ring, then the app zaps it.  They call me all the time and I don't even know until I check the missed calls later in the day. They just keep calling and calling and I don't even know (or care).

Advanta Bank Corp went broke. They were issuing non registered  securities to finance Advanta Bankcards. The SEC and the State of Utah shut them down. Without an influx of money, Advanta cards cancelled all thier cards without required notice. They then reduced the credit limit to 0, below what the previous credit limit and current balances in order to assess overlimit They also raised the interest rate from 8% to 30% without proper notice,  changing the minimu payment to 100% of the balance and started assessing late fees. Needless to say they were sued. They lost the suit and were required to repay all the excess charges and interest to the card holders. I guess when you get hit with a $500 million plus judgement, you do exactly what Advanta did. You file bankrupcy. All the card holders are owed a great deal of money by Advanta that they will never see. Now these predators bought this debt for pennies on the dollar, including all the illegal fees and charges amassed. Ha!  

Since these clowns are not the original debt issuers, they have no standing and what ever they get, they don't deserve.

I did send them a certified letter to cease and desist, but they still call. It's always "dead air" when I do answer, follwed by a dial tone. Under FTC rules and under our own state rules, "Making a telephone ring" [when no one is on the other end] is considered harassment (and in my state can be deemed a criminal act with a fine of not less than $100 and not more that $500 per occurance.

I plan on filing a compaliant and charges against them and see what happens

This number called me at work, called my parents at their home, and my sister at her work.  They're leaving threats. This has got to stop. More info about the call: Called was Steve Mckinley, wanted address, place of employment, ssn. Case file #50140419. Said it was a warning to serve me.

I  closes my bank with new millennium bank. I am waiting for my refund of 300.68. First choice took the place of mew millennium. I am mailing out a letter tomorrow explaining my situation. Not unless ypu could help me now. I have been waiting for my refund since the beginning of June First choice told me to wait 10 weeks. Now we are in Nov. 2014 amd still no refund.