National Recovery Agency / NRA Group
Reviews and Complaints

Mystic,

I'm going through almost the exact situation. You can file a complaint with the BBB at this website:

http://www.dc.bbb.org/complaints/commoncomplaint.html

or file a complaint with the PA attorney general at this website

http://www.attorneygeneral.gov/Complaints.aspx

or if you want to try and resolve directly with NRA, here is the contact information for their Compliance Officer and General Counsel.

Danelle O'Connor
Compliance Officer
NRA Group LLC
dba National Recovery Agency
2491 Paxton Street
PO Box 67015
Harrisburg, PA [protected]
[protected] x3087
[protected] Fax
doconnor@nationalrecovery.com

I also got the contact information for NRA's General Counsel - Elizabeth Rose

Elizabeth L. Rose, Esq.
Corporate Counsel
NRA Group LLC
d/b/a National Recovery Agency
2491 Paxton Street
PO Box 67015
Harrisburg, PA 17111
[protected] x3024
[protected] Fax
erose@nationalrecovery.com
www.nragroup.com Client Website
www.nationalrecovery.com Consumer Website

In addition, the owners of the company are Steve C. and Jill E. Kusic. I believe their email addresses are skusic@nationalrecovery.com and jkusic@nationalrecovery.com.

Their registered agent is Joseph Giambalvo

Joseph Giambalvo
1012 Drew Street
Clearwater, FL 33755

Apparently the company had revenues of $30 million last year and describe themselves as a "responsible revenue recovery agency". The Kusics play themselves off as a local do-gooder couple and spread some of their $30 million around to local charities - maybe to make themselves feel better for the intentional damage they're causing elselwhere. Good luck and spread the word!

Please letme know what can I do, cause I've been receiveing their calls for a long time and finally they said that is for charges from Columbia House (another scamers, worthless company), they told me the amount and suppossly the movies I was charged for and the late fee for it. I requested a number, like a record number, clerk number a reference, something that I can go by, because I don't even have an account number with this other company (columbia House), they told me to call them myself if I wanted to fix the problem. Not until i call NRA again and told them I was recording the conversation for my lawyer, then they gave me a REFERENCE NUMBER and I call Columbia House, they appologize, supposly it will be out of my credit but it will take time. The problem is that, ones it hit your credit it takes years to come out, and that is not the only thing I notice in my credit, Lord know in what hell hole I'ma get myself on... If you have any comments or something to further help, please let me know!

Thank you so much! I've been getting the run-around from NRA for the better part of a YEAR now... I'm really hoping that with the help of this letter (and a father who's a retired attorney) I can get this problem cleared up. They really do clam up every time they're asked for information, and I really felt like I was at a dead-end. Why, if there are so many people with this same problem, are these people still in operation!?

It's like I wrote this post! They contacted me about a debt for Columbia House in the amount of $100 for books purchased in 2005. They said i'd paid $2 and change but that there was still a balance. I'd never even heard of Columbia house. When I asked them to prove it was my debt, they told me I had to prove the debt WASN'T mine. How am I supposed to prove that I DIDN'T order something? I've sent them a letter recently so I hope that stops collection.

I am experiencing the same problem with this agancy. They submitted something to the credit burea and this ashowed up onmy credit report. I contacted the Book club thatit is supposedly for and they have no idea what they are talking about. First of all, I never had an acct with the book club. They are saying that they received it in 2006 and the acct was from 1995! I am filing a lawsuit.

I am experienceing the same thing only mine is froma book club that I contacted and they have never sent anything to them. Mine is supposedly from 1995! and just showed up! I am in th eporcess of trying toget a home loana nd this is keeping me from doing so. I am filing a lawsuit.

Ditto and I put in a dispute with all three credit reporting agencies.

I am in the same boat.I filed a complaint too.What shall i do?what did you do?

I also was scammed for $20, they sent me a letter saying that they were a collection agency for express scripts and I was delinquent on my account. They said to send all correspondence other than payment to P.O.box 67015, Harrisburg, PA 17106-7015or call Exprexx Scripts [protected] . Looking back now I see some things that didn't add up but it's hind sight. They called my phone and harnessed me a lot, but I never answered, this is after I paid them the $20. Recently I received another letter that is the same as the first one only it has a different reference # and Agency ref #. This is when I looked them up online and found this info. Good luck people!

I'm going through almost the exact situation. You can file a complaint with the BBB at this website:

http://www.dc.bbb.org/complaints/commoncomplaint.html

or file a complaint with the PA attorney general at this website

http://www.attorneygeneral.gov/Complaints.aspx

or if you want to try and resolve directly with NRA, here is the contact information for their Compliance Officer and General Counsel.

Danelle O'Connor
Compliance Officer
NRA Group LLC
dba National Recovery Agency
2491 Paxton Street
PO Box 67015
Harrisburg, PA [protected]
[protected] x3087
[protected] Fax
doconnor@nationalrecovery.com

I also got the contact information for NRA's General Counsel - Elizabeth Rose

Elizabeth L. Rose, Esq.
Corporate Counsel
NRA Group LLC
d/b/a National Recovery Agency
2491 Paxton Street
PO Box 67015
Harrisburg, PA 17111
[protected] x3024
[protected] Fax
erose@nationalrecovery.com
www.nragroup.com Client Website
www.nationalrecovery.com Consumer Website

In addition, the owners of the company are Steve C. and Jill E. Kusic. I believe their email addresses are skusic@nationalrecovery.com and jkusic@nationalrecovery.com.

Their registered agent is Joseph Giambalvo

Joseph Giambalvo
1012 Drew Street
Clearwater, FL 33755

Apparently the company had revenues of $30 million last year and describe themselves as a "responsible revenue recovery agency". The Kusics play themselves off as a local do-gooder couple and spread some of their $30 million around to local charities - maybe to make themselves feel better for the intentional damage they're causing elselwhere. Good luck and spread the word!

did complaining to the FTC and doing a follow up resolve the false charge on your credit report. thanks !

thank you so much for this. i did the exact same thing and filed a complaint with the AG and FTC and have successfully had this item removed from my credit report after fighting with them for a year on the phone.

I just had the same thing happen to me and this is not the first company that has tried to do this to me. I take a 4 prong aproach to getting it off my record. I am disputing the collection on both Experian and Equifax since it showed up on both reports. I emailed them at inquiry@nationalrecovery.com. I am faxing them the same letter to [protected] and then I am sending them a certified l letter to
NRA Group LLC
Dba: National Recovery Agency
PO Box 67015
Harrisburg, PA [protected]

Below is what I have in my letter:

Dear Collection Manager,
Re: Account Number

This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim.

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt.

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission (FTC) and other state/federal agencies.

Please attach copies of the following documents:

1.Agreement with your client that authorizes you to collect on this alleged debt.
2.Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
3.Complete itemized statement on this account so as to prove that the debt amount you wish to collect is correct.

With regards,

This agency collected a debt for fees associated with parking fees at my university. I paid the company the debt but they failed to clear my account with my university, which caused huge problems for me when it came to enrolling for my fall classes. The customer service agent that I spoke to (Sierra) about the problem was beyond rude and offered no assistance whatsoever. Word to the wise..do NOT pay this company online! As a matter of fact, if you have a debt, try to work it out with the company that the bill originated with. This company will do nothing but take your money and resolve NOTHING!

I requested a loan through my bank, which I was informed that National Recovery posted a $70 collection debt back in 2007. After getting off the phone with the bank I called the 800 # and was informed of issue. The funny thing is that NRA have a different address, different phone number, different NAME but yet is posted in my credit Report under my name! I cannot believe this! And you know from December 2009 to February of 2010 my credit report was checked many times and never came across this issue. I need an explanation! NRA can you explain this to me? NO I did not buy any CD’s of the artist they were mentioned by the NRA agent, I hate one of the artist they mentioned! WTF! I need an explanation. All I was told was to send a letter of dispute and within 30-90 days they will inform me. This is bunch of BS! Do all agree with me? What should I next? I am scared. I've worked so hard to maintain my credit score in good shape. NOw this!

I just got a negative 29 on my report I thought it was something someone had done and thru further research it's not mine I was even willing to pay to make it go away off my report but after reading such similarities I am not willing to make that mistake. What can I do especially concerning my credit report. Sadly LC.

These national recovery agency jerks started calling my cell phone out of the blue about a month ago and they have not stopped calling me. They claim I have a $40 debt incurred from an alleged trip to a porn store that happened 15 years ago (which would be impossible because I am only 19 and I do not remember watching porn when I was 4) . They do not even have the right guy, they keep asking for some random guy named "Cletus", when I tell them my name is not Cletus they just keep yelling louder at me and they keep throwing more insults at me. So I came to the conclusion that the best way to deal with these fraudsters was to play pranks with them. I started by pretending my cell phone number was a number for a talk show host inside of Charlie Sheen. Then when that got old and they kept calling me a dirty porno watcher, I figured fine they want to talk about sex then lets talk about it. So whenever those losers call my cell I tell them they are calling into "Sex talk with Dr.X", and I make up fanciful stories about lesbians. Ever since I have started doing that they have started calling me less and less.

received a collection letter in the mail from this same company regarding collections for a DVD that was supposivly ordered from my home address, shipped to my home address and apparently $79 was paid toward an account regarding the order of this DVD? WTF? I think I would know if I paid $$$ toward something... so I told the rep to send me a copy of the cleared check to show proof of payment and the reply I received was send this request in writing... whatever! I think this is BS and this company is trying to scam honest people out of $$$ PROVE IT!

My so called debt for some dvd movies that I really don't know anything about was included in Bankruptcy ch.7. But I still keep getting calls from Nattional Recovery agency, and when I tell them that it has been discharge through Bankruptcy they tell me I need to contact my Lawyer, I shouldn't have to they need to get it straighten out on thier end and quit harrassing me!

We just "talked" with the ridiculous, ghetto, fraudulent "team" known as National Recovery Agency because their stupid report was dragging down our good credit score...when we called, this male rep answered the phone with "wassup" like it was his pager; then he transferred to the call to the most asinine, miserable c**t aka as "The Supervisor" who did the following:

1. Couldn't provide any proof of the debt
2. Said they "weren't a billing company, " BUT then said
3. "We sent out the maximum of 2 letters."
4. Could not provide proof of these "letters."
5. Asked us to "fill out a police report" even though this "debt" JUST came out NOW...FIVE years later!
6.Would/could NOT provide a letter of deletion IF we chose to even pay this fraudulent debt.

the WORST...please spread the word. It's Californian law that if they can't provide proof, they MUST remove it from your credit report. Told them that too which was met with a big fat "huuuuuuh?"

For all we know, THEY are the scammers because they're forcing people to pay for a debt THEY CAN'T PROVE because it messes with your credit and they're impossible to deal with.

National Recovery Agency= BIG FAT SCAM!

i have the same problem with this agency, i have just been starting to getting collection notices and it's starting to bug me because i know i have no outstanding dept that needs to be collected. this is the first i have heard of anything of the sort since like 5 yrs ago and i straightened things out with the company that notified me of a payment missed which i clearly showed them i paid with the money order tab and then they dropped it until this February, and here it is July and I am getting dept collection notices

It's simple: call the debt collection agency. It's most likely owned by National Recovery Agency, who is the main holder of West Bay Acquisitions debts.

National Recovery Agency
[protected]
P.O. Box 67015
Harrisburg, PA 17106

YOU NEED TO BE CAREFUL WITH THIS COMPANY! THIS IS INTENTIONAL! IT IS LIKE A PHISHING SCAM.

The fraud is actually being perpetrated by the collection agency. There is no Music Service Club. Be very Careful when dealing with these people. Be very careful when sending in letters for disputes. Do not send in too much information or any personal information if possible, that is the point. There is a reason that these accounts only appear on Experian. They have more relaxed standrds for placing accounts and verification of debts.

Trust me when I say these accounts are not accidents, they are not mistakes, there is nobody using your name (not this time at least), this Music Service Club and the National Recovery Agency are complicit in these fraudulent accounts. If you dispute the account electronically or through the credit bureau with no supporting documentation (of course, because there is none) all that will happen is they will wait a few days and electronically verify the debt. That leaves you screwed. Then they extort money out of you to solve your problem. If you write to the collection agency to verify the debt and demand proof that it is you and that the debt is real, you will get a form letter back saying that in order to acknowledge your complaint and to maintain customer satisfaction they returned the acount to the "original creditor". BUT THERE IS NO "ORIGINAL CREDITOR"!

NOT TO MENTION THAT IS THE LEAST OF THE PROBLEM WITH THAT! RETURNING THE DEBT TO THE "ORIGINAL CREDITOR" (EVEN IF THERE REALLY IS ONE) ONCE VERIFICATION HAS BEEN REQUESTED, IS A DIRECT VIOLATION OF THE FCRA, SPECIFICALLY SECTION 623 (AMONG OTHERS). ADDITIONALLY, THEY ARE FEDERALLY, LEGALLY OBLIGATED TO COMPLY WITH A VERIFICATION OF DEBT REQUEST, SO WRITING BACK TO SAY OH WELL WE DON'T WANT TO PARTICIPATE, SO IT'S NOT OUR PROBLEM, BUT OH YEAH BY THE WAY, THAT MEANS THEY CAN SEND IT TO ANOTHER COLLECTION AGENCY OR LAW FIRM IF THEY WANT TO AND THEY CLAIM THAT IS OUT OF THEIR CONTROL AND NOT THEIR RESPONSIBILITY.

Then, they may tell you that they requested the item be deleted because it isn't in their office anymore, but it may take 30 days or more and they can't control that either.

Here is what you need to know. ALL LIES! It literally takes the stroke of a button to send a delete request. It should not take more than 48 hours for it to actually be deleted. Yes, if any collection agency at any time returns your account to an "original creditor", it can be resold to another agency or law firm. The difference here is this agency and this Music Club are the ones who are creating these accounts, so if it pops up again with a new name chances are it is still them, but with a different name. That is how this type of fraud works.

I got my account (which showed up on my credit without warning in May 2010) deleted and it will not be back. I can help anyone who wants it. Message me with your e-mail or just message me and I will try to help you. It took a couple of months to sort everything out, but once I figured out what was going on, it only took a week to getit deleted. In case you are wondering, yes I have been in touch with National Recovery, but only by mail. DO NOT EVER CALL THESE PEOPLE & DO NOT EVER LET THEM CALL YOU! I have also been in touch with law enforcement. Just out of curiosity, does anyone here have any ties to the military or to law enforcement? I am still trying to figure out how they are choosing their victims.

I hope this helps someone.

Send them the letter below and file a complaint with the FTC. DO NOT PAY THEM! keep on them. it is worth it. Make sure you send this letter with a return receipt. When I filed the complaint with the FTC i received a letter back from them within two weeks saying they were investigating the matter and provided me with a copy of the letter they themselves sent this company. A week after that I received a letter from the NRA saying that the account was referred to them in error. I contacted a lawyer before I did all this and my lawyer informed me that collections on an account must cease 6 years after last payment was made and if no payments are made 7 years after the account was allegedly opened. Of course in my case the account was never opened. I don't know why they do this and I don't care. My attorney general has them under investigation as well and not just because of my complaint. This company has been under investigation for a while. And I am not some crybaby that doesn't feel like paying my bills. If the company made a legitimate mistake that's fine but they should have tried to resolve that with me in the beginning instead of dragging it out for a year and a half. Here's the letter I sent them:

NRA Group LLC
Dba: National Recovery Agency
PO Box 67015
Harrisburg, PA [protected]

Dear Collection Manager,
Re: Account listed under name/account number

A year ago ago I pulled my credit report and noticed a collection from your agency. Not recognizing the debt I called and asked for verification of the debt to please be mailed to me. I have called several times since then and still have not received or been notified of this collection by mail. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim.

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt.

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission (FTC) and other state/federal agencies.

Please attach copies of the following documents:

1.Agreement with your client that authorizes you to collect on this alleged debt.
2.Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
3.Complete itemized statement on this account so as to prove that the debt amount you wish to collect is correct.

If I do not receive these documents my lawyer and I will be forced to take further action against your company.

With regards,

The same thing has happened to me, the creditor National Recovery Agency, original creditor West Bay Acquisitions but when you call they say its for BMG. I have disputed it with Experian (the only one it showed up on) and the say the account -was verified. I spoke with some very rude woman at National Recovery Agency and she told me to fax a written dispute to [protected] and they would submit the dispute again. They do however legally have 30 days to respond to your inquiry/dispute.

I am totally outraged that this occurs so often. I did have an account with Columbia House. Paid for my DVDs and never received the free ones. Tried to contact Columbia House or BMG ? Without response now years later a collection has been filed on my credit report without any attempts from NRA. This cannot be right. I paid a collection in the past that did not seem right and was assured that Cd's would be coming that also did not. I am on board for any class action against these parasites. I will not give them a dime. Any suggestions on removing this from my CR without paying the scam artist. Does writing a letter actually work? To the collection agency.? I have done so with Columbia House with no response.

This is such a huge scam. i am currently mailing by certified mail, my request for proof of binding agreement that I owe this debt. I will seek an attorney over $185. This permanently scare my 100% perfect cre4dit and it is worth it to me to pay an attorney several thousand dollars to remove it. Be warned Dani. I will come after your company which is 100% fraudulent not only in civil court but I will push for a class action lawsuit if I need to!

I have a similiar negative report from the NRA on Experian for a Music Service. Same response from Experian that it has been verified and will remain on my credit report. No contact number for the Music Service. This is a scam and experian's response is vague and weak with zero explanation. I will take this further until it is correct. This is the only negative on my report!

dani, it is probably a terrible idea for you to respond to a complaint against the company you work for. and you are only partially correct on communications. You should know that a third party is able to receive the OK from the consumer to fax information.

get it right and stop responding to NRA complaints.

Actually, Pierre was correct. Under FDCPA laws, debt collectors are only permitted to contact you via mail and phone calls. That means no email, no faxing information, no postcards. Doing so might show other people that you're in debt, and therefore is against FDCPA laws.

By the way, I am currently a debt collector for NRA.

Maybe...

I would also make a consumer statement on all 3 credit bureau files. Just in case.

just send them a letter that you fully dispute the charges and that you want them to provide you with documentation from the original creditor to prove otherwise. this will get ride of the debt for you if it isn't yours.

Same thing, see my complaint under West Bay Aquisitions. I am prepared to join a class action suit. Has one started yet?

National recovery agency number is [protected] or [protected]. I have been calling all morning with no luck.

I just received a collection notice from National Recovery Agency. I am pretty sure this is a scam now that I am reading all these posts. They are asking that I pay this debt. I have never heard of West Bay Aquisitions. And they are saying that the debt is from 2007. Wouldn't I have received a bill if I bought something? This is just out of the blue. Worst part is, there is a hold on my credit report because my husband is on active duty. Which is making it difficult to even get my credit report.

This is the same thin that has happen to me.. has anyone been able to do anything about theirs yet?

I am undergoing the same situation. In January National Recovery filed a collection on my credit report also. I also wrote to all three credit agencies and I was told that the item was investigated, that it does belong to me, and that it will remain on my report. I don't understand what is going on. I had spoken to the book company in 2006 and told them I had not ordered nor recieved any merchandise from them. All of a sudden out of the blue in January I see this collection notice on my credit report. Maybe we should all get together and file a class suit against them for defamation of character. you can contact me at diomaris1@optonline.net. Let's show them they can't push us around.

I had a similar situation with this EXACT agency - I saw a drop in my credit score of around 100 points last month and ordered my Credit Report. On my report I saw a collection item from National Recovery Agency - West Bay Aquisitions. I do not recognize them or this charge and I disputed this item with Experian. I just received an email from Experian that this item "Remains" which is baffling to me. I am 100% sure that this is a fradulent item. - M KRIEG

Hello, I have had problems with this company calling and asking for, son-in-laws, brothers-in-laws, neighbors! not one person that lives in my home. I have called them told themto remove my name & number was informed they would remove my name & number(yea right) the calls increased. I have called and written to the Attorney General in my state.(Ohio) they took care of it. I even got a written letter of apology and told it won't happen again. It hasn't from this company but now the allied collections company is started the same tactics so I will contact the AG office again. Hope this helps you.

ORannie you are mistaken.

You can tell them until you're blue in the face. Unless it's in writing they can call once a day every day if they want.

Blopdwen Mary Shorthouse:

By law, they must remove your number from their dialer and note the account that the number is not valid. Now, I am seeing two things wrong here: one, they are not removing your number; and two, they are discussing a debt with you knowing that you are not the responsible party. This is a violation of the FDCPA. If you are called again, get the name of the agent (collectors are personally liable for any FDCPA violations, as well as the company) and advise them that this is their final warning...remove the number or you will file complaints against company and the agent with the Federal Trade Commission. Good luck

contact the Attorney General. If you tell the collection agency not to call you any longer they must not.

They keep calling and disconnecting. When I answer. When I call back they wont tell me why they are calling and hang up on me.

I was contacted about a $116 debt. After speaking with a manager I found out that the company had my correct name and phone number, but the wrong address and last 4-digits of the social security number. Because the last 4-digits of the social security number did not match mine they would not give me the name of the company so I could call and clear the manner up. They also stated that since the address and the last 4-digits of my social security number did not match I was the wrong person not to worry my phone number would be taken out of the database as a connection to this debit. Now I find the false information on my credit report a month later.

The NRA sent me am email in support of Thad Cochran to retain his seat in the US Senate representing MISSISSIPPI .. The MRA touted him as a stern supporter of the second amendment which he IS NOT ..
He as of yesterday sold his support to gun grabber Michael Blumberg for a $250, 000 donation to his campaign. Explain that NRA? I wouldn't vote for that SOB if he was running for dog catcher.. And I am considering canceling my NRA membership!

I keep receiving call from them about a debt I do not have. They are rude and hang up. They are now calling my family members. How can these people be stopped for operating a scam

They call but wont tell me who this debt is to. Only tell me that it was from 2008ntil they tell mewho it is for 26.94. I'm not going to pay it until they can tell me who it is for. If it was legitimate fine but no one has ever called or contacted me in all these years and I have been here for 40 years.

Always ask for an accounting of said debt. Till they do so ( In Alberta at least), tcollection agencies must cease all collection activity. They are also only allowed to telephone 3 times ( unsolicited) in a 7 day period, and only between 7am. and 10 pm. Alberta has a "Fair Trading Act". Be sure you find out what the law is where you live. File a complaint against the company if they are breaking the laws and so lose their license.Columbia House once bothered us for a long time . We had purchased the last DVD to finish our obligation, but they seem to have lost a record of us doing so. File your receipts and cheques, etc. where you can FIND them ( not in a grocery bag or unmarked shoe box eg.)!

Notice on my credit report this item

I feel like a broken record, after reviewing information contained on this site. Alas, this agency is a scam. They placed three unauthorized accounts, regarding debts I did not acquire, against my credit report; I attempted to contact them and dispute them - even pointing out obvious problems with their records, such as mispelling of my name, wrong address, no record of identifying information on their records (SS# or DOB). No results. The first two accounts came at the same time; I eventually became so frustrated with the lack of resolution, that I paid the accounts just to get them off my record. BIG MISTAKE! A year later, they posted another account. I've reported them to the Better Business Bureau, but I can only hope that they will be able to get results.

Write a letter to your local District Attorney’s Office. CC a copy to the Federal Bureau of Communications since they are using the phone to run the scam. In addition cc a copy to the Federal Bureau of investigations, Consumer affairs, and the consumer protection board of your state, the better Business Bureau and your local legislator. One letter CC to each entity. This way they will get a barrage of inquiries from different government agencies that they will need to answer. if nothing else it leaves a paper trail of complaints and puts them on the radar/ Then write a letter to your credit reporting agencies making them aware of the scam and tell them you have been a victim of fraud. They will investigate as well. Then ask to have the negative information removed from your file. Paper trails are the last thing these crooks want leading to their front doors. They prey upon people with the assumption that more than half will not take the time to write the letters. It is time to give them a run for their money and put the spotlight on them. Especially now that so many law enforcements agencies are cracking down more and more on scams. Make sue to include times, dates and people you spoke to in the letter also.

Every state has a sol when that time is up there is NO way any collection agency can collect on that debt! So Mr ex debt collector, NO you cannot collect up until that person dies, PLZZZZZZZ learn the law!