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If you have the money you can buy charged off debts yes. For pennies on the $$$.
If this is breach on another agreement you have them.
Them leaving a message stating what the name of their firm is alright. If they indeed said this is an attempt to collect a debt after their firm name this is ILLEGAL!
While most people agree with just getting them off their back is enough I want JUSTICE. This means PLAY BALL THEIR WAY. Which is either done with a Consumer Protection Atty or a good complaint made and filed by you addressing their violations of the FDCPA.
Depending on how you APPROACH issue you can and will get justice. You don't have to go the ATTY ROUTE. You can find your own examples against agencies on Pacer and find out which cases have won or lost with the presentation they gave and outcome of case.
I found a good one filed against National Asset Recovery Services. Filed by an atty in Hawaii. Was only a $93 debt...They had to cough up $4500 for their violations to consumer along with atty fees of $3500. (besides wiping out debt) FRN's maybe worthless compared to GOLD but they spend well!
Just document or see if you can pull phn bill. Forget about doing a VOD. Threaten or do a COMPLAINT they listen to these more. It's not that your in default show how their in default to you the originator of your own debt. That they indeed are a collector.
That they've violated the U.S.C. and FDCPA. I put an example of my mortgage complaint in another thread. If it's a credit card and not such a mess as my case it'll be easy to do. Or look up the cases for examples.
Good Luck,
Kathy
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