Everything they have used is illegal. And for some of that, it would take a court order and you would first have to be served. Neither phone,fax,text or email are valid proof of a debt owed.
If these losers have any of your personal information such as your social security number, date of birth or drivers license make sure you register with identity protection notify the credit agencies as well as your banks!!
http://www.secretservice.gov/fraud_creditcard.shtml*********
credit reports: Experian, Equifax, TransUnion
http://www.consumer.ftc.gov/articles/0155-free-credit-reports***********************
http://www.irs.gov/Individuals/How-Do-You-Rep ... aud-Activity%3Fgo to the IRS.gov site and fill out the forms on this page that pertain to them, most likely form 14039
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How to see if your on the chex system list:
http://www.wikihow.com/See-if-You-Are-on-Chexsystems-ListTo File complaints FDCPA/TCPA violations:Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://www.ftccomplaintassistant.gov/#&panel1-1https://consumercomplaints.fcc.gov/hc/en-ushttp://www.consumerfinance.gov/complaint/http://www.rcfp.org/reporters-recording-guide/state-state-guidehttp://www.dmlp.org/legal-guide/recording-phone-calls-and-conversationsAlso with the BBB and follow completely through with it.
http://www.creditcards.com/credit-card-news/c ... ations-1282.phphttp://www.consumer.ftc.gov/blog/haunted-phantom-debtSeek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.
Some Tips:*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectorshttp://www.fair-debt-collection.com/debt-collectors-list.htmlhttps://www.ftc.gov/news-events/press-release ... rtners-announceFollow the steps in what you need to know here:https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-knowSee Residents post here also:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-callshttps://www.consumer.ftc.gov/blog/dont-recognize-debt-heres-what-doTemplates of Letters:
https://800notes.com/Phone.aspx/1-319-242-7350http://www.ftc.gov/os/statutes/fdcpajump.shtmhttp://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdfhttp://www.consumer.ftc.gov/articles/0149-debt-collection
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