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The national pandemic of telephone terrorism perpetrated by desperate criminal collection agencies is because they are trying to terrorize people who are naive enough to answer and submit to unsolicited telephone calls or written "collection" letters that have no legitimate legal debt associated with them or any of the companies, universities, or whomever else they claim to represent. Because most "little guys" were bankrupted by the criminal Wall St/Congress/Big Oil/Big Bankers/Big Business/Military/Robber Barons, so the desperate collection agencies are attempting to collect unpaid debts from innocent people by terrorizing them into submission.Word of advice. NEVER answer any calls you don't recognize or are not expecting. Use selective call rejection service if available, or switch to an Internet-based telephone service which provides comprehensive call rejection options. If rogue calls become chronic, turn off all the ringers on all of your phones except one, and set its volume to the minimum setting. If you don't answer the call and the caller is legitimate, they will usually leave a voicemail after the first or second try. Rogue callers never leave voicemail messages because that could be used as evidence against them if it came to a lawsuit. If you receive a rogue letter in the mail warning you of some "collection" action against you, if you don't actually owe it, reply with a short letter stating that you don't owe it. Or if you do owe all or part of it, reply with something like "You claim I owe you a debt. Under §809 FDCPA, I request validation of this debt."Only give them your name as THEY have written it to you (e.g. “John Doe” not “Jonathon Q. Doe” or however you normally sign your own name), address, and the account number they report. But if you do not owe the debt (zombie debt, aged debt, mistaken or stolen identity, forgery, etc.) state that you have never done any business with them or with the (alleged) original creditor of any kind and you expect the collection agency to close the matter, stop harassing you and take any bad credit marks they've caused off of your credit rating, and furthermore, that any further contact from them must be in writing on their official business correspondence letterhead. Send your letter to them a.s.a.p., always within thirty days, first class certified mail return receipt requested. If they refuse it and you get the letter back unopened, leave it unopened and save it in your files as evidence against them should they pursue legal action against you. If they did receive it and continue to pursue action against you, let them. The judge will throw it out of court. If the rogue collection agency sells your account to another rogue collection agency just tell them the claim has been proven invalid and offer to send them a copy of your letter to the previous rogue collection agency. Warn all your friends about this rash of desperate collection agency terrorism, and how to combat it. Knowledge is power. The more you learn how to combat rogue collection agencies, back-taxes scammers, phishing scammers, and other flimflammers, the more you will learn how easy it is to do.Above all, keep a record of everything, of every rogue call w/ caller ID information displayed including time and day of each call. Maintain a complete file on any snail-mailed intimidation from rogue collection agencies, including copies of all correspondences and postal receipts. Reporting rogue calls on sites like800notes.com, whocallsme.com, phoneowner.info is a great idea too, because many people find these sites by googling for the rogue number(s) after receiving calls from them.--Start Here:http://www.privacyrights.org/fs/fs3-hrs2.htmhttp://www.google.com/search?num=50&q=%C2%A7809+FDCPAhttp://www.google.com/search?num=50&q=zombie-debthttp://www.google.com/search?num=50&q=slander-of-credithttp://www.google.com/search?num=50&q=limited ... llection-agencyhttp://www.privacyrights.org/fs/fs27-debtcoll.htmhttp://www.ehow.com/way_5849463_do-up-certified-dispute-letter.htmlhttp://hubpages.com/hub/How-to-Defeat-a-Collection-Agencyhttp://hubpages.com/hub/Battling-Consumer-Debt-Collectors-Part-2-I-Do-Not-Owe-This-Debthttp://hubpages.com/hub/Sample-letters-for-disputes-to-creditors--collectors-and-credit-bureaushttp://en.wikipedia.org/wiki/FDCPAhttp://www.fair-debt-collection.com/Disputing ... ute-letter.html (most say the above sample letter is too long and should be much shorter)http://www.fair-debt-collection.com/statue-limitations.htmlhttp://www.spooftel.com/  <= !Credit Report:https://www.annualcreditreport.com/cra/index.jspUSPS:http://www.usps.com/send/waystosendmail/extra ... mailservice.htmhttp://www.usps.com/send/waystosendmail/extra ... eiptservice.htmOther links:http://www.cnn.com/2008/LIVING/personal/02/29 ... tors/index.htmlhttp://hubpages.com/hub/How-to-Defeat-a-Collection-Agencyhttp://clarkhoward.com/shownotes/category/12/103/358/http://clarkhoward.com/topics/drop_dead_letter.html--Information for filing complaints against rogue telephone calls,telephone harassment, false "bill collector" harassment, etc.,in the United States and Canada:UNITED STATESUS National Do Not Call Registry, file complaint: https://www.donotcall.gov/complaint/complaintcheck.aspxFederal Trade Commissionhttp://www.ftc.gov 1-877-382-4357File complaint online: https://www.ftccomplaintassistant.govhttps://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=enthat is at www.ftc.govFederal Communications CommissionTelephone toll free:  1-888-225-5322http://www.fcc.gov/contacts.htmlFile complaint online: http://www.fcc.gov/cgb/consumers.htmlhttp://esupport.fcc.gov/complaints.htmFCC Abandoned Calls Complaint form:http://www.fcc.gov/cgb/consumerfacts/1088D-R.pdfemail:  [email protected] Business Bureau, Check out a Business, find owner, contact info; file a Complaint:http://www.bbb.org/us/INTERNET CRIME:File report for Internet Crime at:Internet Crime Complaint Centrehttp://www.ic3.gov/default.aspxCANADARCMP Phone bustersTelephone toll free: 1-888-495-8501Mon-Fri 8:30-5:20 pm (Eastern Time)E-mail: [email protected] Website is at: http://www.phonebusters.com  File complaint online:  https://www.recol.ca/intro.aspx?lang=en(Register with a password and then can continually file complaints)Canada National Do Not Call Registry:Canadian Radio-Television and Telecommunications Commission (CRTC)Telephone toll free to File A Complaint: 1-866-580-3625(to withdraw a complaint is 877-249-2782)CRTC online complaints form: https://www.lnnte-dncl.gc.ca/pfplin-fccoin-engthat is at  www.crtc.gc.caBetter Business Bureau, Check out a Business, find owner, contact info; file a Complaint:http://www.bbb.org/canada/

The national pandemic of telephone terrorism perpetrated by desperate criminal collection agencies is because they are trying to terrorize people who are naive enough to answer and submit to unsolicited telephone calls or written "collection" letters that have no legitimate legal debt associated with them or any of the companies, universities, or whomever else they claim to represent. Because most "little guys" were bankrupted by the criminal Wall St/Congress/Big Oil/Big Bankers/Big Business/Military/Robber Barons, so the desperate collection agencies are attempting to collect unpaid debts from innocent people by terrorizing them into submission.Word of advice. NEVER answer any calls you don't recognize or are not expecting. Use selective call rejection service if available, or switch to an Internet-based telephone service which provides comprehensive call rejection options. If rogue calls become chronic, turn off all the ringers on all of your phones except one, and set its volume to the minimum setting. If you don't answer the call and the caller is legitimate, they will usually leave a voicemail after the first or second try. Rogue callers never leave voicemail messages because that could be used as evidence against them if it came to a lawsuit. If you receive a rogue letter in the mail warning you of some "collection" action against you, if you don't actually owe it, reply with a short letter stating that you don't owe it. Or if you do owe all or part of it, reply with something like "You claim I owe you a debt. Under §809 FDCPA, I request validation of this debt."Only give them your name as THEY have written it to you (e.g. “John Doe” not “Jonathon Q. Doe” or however you normally sign your own name), address, and the account number they report. But if you do not owe the debt (zombie debt, aged debt, mistaken or stolen identity, forgery, etc.) state that you have never done any business with them or with the (alleged) original creditor of any kind and you expect the collection agency to close the matter, stop harassing you and take any bad credit marks they've caused off of your credit rating, and furthermore, that any further contact from them must be in writing on their official business correspondence letterhead. Send your letter to them a.s.a.p., always within thirty days, first class certified mail return receipt requested. If they refuse it and you get the letter back unopened, leave it unopened and save it in your files as evidence against them should they pursue legal action against you. If they did receive it and continue to pursue action against you, let them. The judge will throw it out of court. If the rogue collection agency sells your account to another rogue collection agency just tell them the claim has been proven invalid and offer to send them a copy of your letter to the previous rogue collection agency. Warn all your friends about this rash of desperate collection agency terrorism, and how to combat it. Knowledge is power. The more you learn how to combat rogue collection agencies, back-taxes scammers, phishing scammers, and other flimflammers, the more you will learn how easy it is to do.Above all, keep a record of everything, of every rogue call w/ caller ID information displayed including time and day of each call. Maintain a complete file on any snail-mailed intimidation from rogue collection agencies, including copies of all correspondences and postal receipts. Reporting rogue calls on sites like800notes.com, whocallsme.com, phoneowner.info is a great idea too, because many people find these sites by googling for the rogue number(s) after receiving calls from them.--Start Here:http://www.privacyrights.org/fs/fs3-hrs2.htmhttp://www.google.com/search?num=50&q=%C2%A7809+FDCPAhttp://www.google.com/search?num=50&q=zombie-debthttp://www.google.com/search?num=50&q=slander-of-credithttp://www.google.com/search?num=50&q=limited ... llection-agencyhttp://www.privacyrights.org/fs/fs27-debtcoll.htmhttp://www.ehow.com/way_5849463_do-up-certified-dispute-letter.htmlhttp://hubpages.com/hub/How-to-Defeat-a-Collection-Agencyhttp://hubpages.com/hub/Battling-Consumer-Debt-Collectors-Part-2-I-Do-Not-Owe-This-Debthttp://hubpages.com/hub/Sample-letters-for-disputes-to-creditors--collectors-and-credit-bureaushttp://en.wikipedia.org/wiki/FDCPAhttp://www.fair-debt-collection.com/Disputing ... ute-letter.html (most say the above sample letter is too long and should be much shorter)http://www.fair-debt-collection.com/statue-limitations.htmlhttp://www.spooftel.com/  <= !Credit Report:https://www.annualcreditreport.com/cra/index.jspUSPS:http://www.usps.com/send/waystosendmail/extra ... mailservice.htmhttp://www.usps.com/send/waystosendmail/extra ... eiptservice.htmOther links:http://www.cnn.com/2008/LIVING/personal/02/29 ... tors/index.htmlhttp://hubpages.com/hub/How-to-Defeat-a-Collection-Agencyhttp://clarkhoward.com/shownotes/category/12/103/358/http://clarkhoward.com/topics/drop_dead_letter.html--Information for filing complaints against rogue telephone calls,telephone harassment, false "bill collector" harassment, etc.,in the United States and Canada:UNITED STATESUS National Do Not Call Registry, file complaint: https://www.donotcall.gov/complaint/complaintcheck.aspxFederal Trade Commissionhttp://www.ftc.gov 1-877-382-4357File complaint online: https://www.ftccomplaintassistant.govhttps://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=enthat is at www.ftc.govFederal Communications CommissionTelephone toll free:  1-888-225-5322http://www.fcc.gov/contacts.htmlFile complaint online: http://www.fcc.gov/cgb/consumers.htmlhttp://esupport.fcc.gov/complaints.htmFCC Abandoned Calls Complaint form:http://www.fcc.gov/cgb/consumerfacts/1088D-R.pdfemail:  [email protected] Business Bureau, Check out a Business, find owner, contact info; file a Complaint:http://www.bbb.org/us/INTERNET CRIME:File report for Internet Crime at:Internet Crime Complaint Centrehttp://www.ic3.gov/default.aspxCANADARCMP Phone bustersTelephone toll free: 1-888-495-8501Mon-Fri 8:30-5:20 pm (Eastern Time)E-mail: [email protected] Website is at: http://www.phonebusters.com  File complaint online:  https://www.recol.ca/intro.aspx?lang=en(Register with a password and then can continually file complaints)Canada National Do Not Call Registry:Canadian Radio-Television and Telecommunications Commission (CRTC)Telephone toll free to File A Complaint: 1-866-580-3625(to withdraw a complaint is 877-249-2782)CRTC online complaints form: https://www.lnnte-dncl.gc.ca/pfplin-fccoin-engthat is at  www.crtc.gc.caBetter Business Bureau, Check out a Business, find owner, contact info; file a Complaint:http://www.bbb.org/canada/