866-557-3602

I keep getting calls and messages from this number with all sorts of threatening comments by a woman who does not announce herself or who she works for.

Educate yourself on the Fair Debt Collections Act. Each state has guidelines of what a debt collector can and can not do.

According to fair debt collection laws, a debt collector cannot: * Call you repeatedly * Call you at inconvenient times/places * Disclose information of your debts to third parties * Use profane/abusive language * Contact you after written notification that you do not want to be contacted any further * Claim to be affiliated with any governmental organization * Misrepresent the character, amount or legal status of a debt * Threaten to take any action that cannot be taken legally * Accuse you of having committed a crime * Threaten to communicate false credit information * Attempt to collect even before your request to validate is honored * Use deceptive methods to collect debts * Call you before 8:00 a.m. or after 9:00 p.m. * Call you, but not announce who he/she is * Attempt or threaten to collect a debt that is too old to enforce under state law * File any legal action and/or taking a judgment without properly serving the party being sued * Waiting years after an unlawful judgment has been secured to attempt further collection activities * Fail or refuse to identify itself as a debt collector * Speak to others (family, friends, and neighbors) about your debt * Demand unlawfully your social security number, credit or debit card, bank account or e-check authorization * Fail to send you written details about the debt within 5 days of the first call placed to you * Claim affiliation with the police, court or any other authority * Make any false promise to improve your credit score

Not all collection agencies are crooked and use such tactics. Many are doing the functions they were hired to do within the confines of the law. However, it would seem that this particular agency abuses and violates the law on many different levels.

If you do owe funds, there are many reputable agencies and attorneys that can help you settle your debt, stop the harassment, and help to get you back on track. But don't be bullied or threatened by an organization such as this.