Neither phone, fax or email are legal proof of debt owed.
One important thing to remember 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!!
credit reports: Experian, Equifax, TransUnion
go to the IRS.gov site and fill out the forms on this page that pertain to them, most likely form 14039
Also with the BBB and follow completely through with it.
Seek 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.
*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.
For Extortion Scam Operations, File reports with the FBI, your state attorney general and Department Of Justice,CFB,FTC & FCC. Emails can be attached to complaints filed with IC3, the cyber crimes division of the FBI.
Category: Payday loans