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Really, ICU hiding?  "you can lie to all the people on HEAR?"  Don't you mean HERE?  WOW, for a Godly person, you sure don't know how to spell or speak. ICU flunking English class.  No wonder people are slamming you on this forum.  Gotta (on purpose) love the "you aint not paying back because you do not have it, but because you do not want to pay it back and borrow more money still."  Nice structure and syntax, but you forgot the apostrophe in ain't.  OH WAIT, THAT'S RIGHT, GOD will fix your errors.

But try threatening the average collection clown that you have an attorney and will take swift action against them.  Do you really think they care or that you will follow through?  You see, the average person may not but I did.  Collection agencies have tried the scare crap with me before calling themselves "agents" and "preparing a legal case against me".  It is the ambiguity of their claims and identity that makes me laugh.  The real funny part is when I turn the tables on them.  To claim that you are a law enforcement official even using words such as "agent" in an attempt to deceive is a felony.  I used this tactic to successfully prosecute two collection firms that ended up with hefty fines and prison terms for the individuals concerned.  i warned these idiots in writing several times to knock it off but they did not listen to basic fear and common sense.  I initiated a final phone call to the collection moron stating that "if he wanted to enter the hell that I have created for him, then I introduced myself as the devil as I hand you your gasoline suit."  Bottom line is the [***] think they have power but they do not. They make me laugh an it's pure entertainment at this point.  So collection idiots if you want to collect on a legitimate debt that is more than seven years old, please just  give up.  I'll see you in court most definately with a big smile.