United Recovery Systems review: Annoying multiple weekly calls! 100

I agree completely URSis beyond unprofessional. I do owe a debt and had been paying, they claimed I refused to pay. I offered to send my bank statements and the man kept saying u refused to pay I am paying the CC company every month but will not give them 1 penny.

They also call me about 6 times today. This is harassment.

I agree with you totally as former employee of United Recovery Systems I can tell you for a fact that yes we were told to tell debtors that they were refusing to pay there accounts, this is technique used to get most people talking so we can then say okay well if you're not refusing to pay your account then are willing to pay the balance in full today or make some kind of arrangement. We went through this rushed training and was taught what we could say and couldn't say, and then when we got to the floor it was different story managers , would tell you that it more important to get the money they wanted a big fat bonus check. We would call an account holder and speak to them they would give a reason why they couldn't pay and then turn around and call their The FDCPA laws states that if we make contact with the account holder we can not then turn around and call his relatives and friends associates neighbors John at the corner store to see if has any information. Collections is a dirty game at URS. Oh you thing that you're getting ###ed,but it was us the collector who was cause we as a collector are the ones who could get fined or sued by you the account holder personally and fired for doing what we were told to do. And then not to mention when it is all said and done you have compromised your morals and you think your fixing to get this big fat bonus check and they tell you no you didn't bonus or yes you did her is $120.00 for all your hard work. I have worked in collections for another for years, it was a good company we were appreciated the company didnt do these under handed things that URS dose. But know that you can file a complaint with the FDCPA if you feel that you're been harassed.

i agree with the poster who was an emp of urs...i am now, and am looking fo rmore gainful emp...i'm actually one of few collectors who get the mgrs mad, b/c rather than holler or state that whole refusal to pay bit, i listen, b/c i'm told i cannot hang up etc...and i'm shy as it is about things, and really had no idea what i was getting into...and right now, i'm working for a part of the company whose client gets sued, oh i'd say 1 time every 90 days...and when i ### about the things we're supposed to do or the things we're supposed to say, i'm told everyone but the owner is replaceable...my mgr is a little better, he's not a dick...but then again, everyone else it's all about the mgrs check, b/c theyre paid by how we do, so if we're not doing good, they don't get paid, which means ### rolls down hill...please, believe me when i say some of us really do care about the debtors feelings, and that's why we dont bonus, but i dont blame you for the way you feel...when it comes to urs, i honestly think someone had some extra cash, and a damned good credit report, and decided "hey i have an idea, we've got money, let's go after those who don't" and apparently it's worked...offices in monterey mex, houston, tx arizona, tulsa, and now a new office in brian college stn texas...

It's refreshing to read what the credit collectors go through, including training methods. There is a person at URS currently trying to reach me. I am not responding to his calls, specifically because I have already experienced the telephone manipulation where the collector tries to box the debtor into a corner by claiming that the debtor is "refusing to pay" the bill. I was talking with a collector from a different agency, and when I would not make a specific commitment to pay a certain amount by a certain date, she accused me of "refusing" to pay. When I said that I was not refusing, I just couldn't make a specific commitment, she said I was "playing games" with her. I said that I was being as true and honest as I could be, especially by not making a commitment I was not sure I could keep. She was obviously very frustrated with me, and left the conversation stating that she would mark me down as refusing to pay, and there would be dire consequences. In another instance, a fellow told me, when I wouldn't make a commitment, that I was being "cavalier" about the debt. I told him that he had no idea what my emotional state of mind was, and that he could not infer my attitude toward the debt based on my not making a specific commitment to pay a specific dollar amount by a specific date.

From these experiences, I have decided to avoid all such telephone calls and just quietly work out arrangements myself without talking to these folks.

Here's what happened to me:

I'm only 20 years old, and these people at URS thought they had me pegged. I used my credit card for school items and fees. Well I found out my rights and did some research. A lot of what the lady said was deceiving. She said that if I didnt pay they'd take a post dated check for Friday (illegal). She was sort of rude in a way that she was saying that well its your fault you forgot to pay your own bills (illegal). Well, look here... I talked it down to a crazy settlement. And the lady was amazed at what I knew. I guess I was lucky.

This organization called my home at 7:30 in the evening asking if I could help them get in touch with one of my neighbors to which I responded: "How about you give me your name, phone and group you represent?" and he did.

If I am not mistaken, this action, utilizing a phone directory to canvas neighbors to gain information on another neighbor is tantamount to harassment. I advised my neighbor to call his attorney and pursue legal remedy and damages for the possible character damage their call may cause.

I would LOVE to see a company that uses such gutter tactics get burned.

these ppl are evil! yesterday, alone, i had this particular man, Bill Patton, from URS, call me in a 30 minute time span at my home twice, my cell phone twice (leaving messages), my disabled father, a previous employer, and my current employer. you would think the first message left in that amount of time would be good enough. i was at a dessert date with family that are in town for the holidays. i am not going to answer my phone an talk business at that time. it's not really a professional business with this person anyway. he was very "frank" with me, as he explained he would be on a couple of occassions. i am currently trying to work out my debt that was a result of a divorce, however, these people are blood thirsty vampires. i never had anyone say that i refused to pay, of which i never said i wouldn't. i just told them that i could not make the payment they wanted me to make. i am a single mom, and i get no financial help from my ex. of course he went in to asking if my ex's family could help me, and everyone else down the line that could help me. no, if anyone could have helped me, i would not have been in the position i am in now. i must say that this guy was not very nice, and i know they aren't suppose to be, but he had no problem in prying into my personal life, and using it against me. he told me that i had better get a lawyer. i had asked the original contact to fax me my account info they had. she did, and he contacted me saying that "the managers were all over it since she had faxed me the info" and that "there were manager's notes all over my file". WTF?! can i not have documentation of what they have in their files about MY account? he proceeded to tell me that my account was not sold by my creditor, and that they had been hired specifically by my creditor to pursue my debt. i know for a fact that this accout has gone from my orginal creditor, to NCO, and now to URS. they don't give an inch when it comes to understanding. i know not all people working for collection agencies are horrible people, and i feel bad for the ones that are the monsters.

Bill Pattmon, wow, that name is familiar. Oh yeah, I'm mailing a ceast letter to him. He called my neighbors, family, and friends, and informed them of my debt, even after I spoke to him. ILLEGAL. Also said pmnts could not be accepted, I had to pay the full amount, and the pmnts I was already making could not be accepted. That's illegal also. He used rude language, and said I refused to pay. I have a complaint with the FTC, they said to mail a certified letter, if they do not stop they recommend a law suit. Something for everyone to think about. You may be in debit, but you are still a person.

URS continues to harras me regarding a debt my deceased father may have had. My in laws have been contacted and have requested not to call anymore. I receive calls on a weekly basis and have requested them not to call me or my family anymore. They are rude and never tell you the nature of the call. One of my sister in laws received a call and they told a lie to her stating she was listed as a relative to call which is totally absurd. THEY ARE LIARS and I am seeking any advice to make them stop. Account Rep FRED TRUEX and Supervisor JOE PETRI are the ones who informed me that my sister in law was listed as a relative, which is a lie. They crossed referenced property I own which my sister in law lives at and started calling and harrassing her. THEY ARE WRONG AND VIOLATING MY RIGHTS AS WELL AS HARRASSISNG UNINVOLVED PARTIES.

URS is calling me..and I don't understand why...I pay my credit card bill every month and sometimes twice a month. I dont have a huge dedt they call like 20 times a day. They tell me that I dont make payments. I was like WTF!? I'm looking at my computer screen that shows me all the payments I made. Is what they are doing illegal? I dont want them to call me again..because I pay my bills.

URS keeps calling me for unknown reasons. I have no credit card debt and own my home and car free and clear. They say they are looking for my daughters ### ex-boyfriend, Jason Mazei. I have told them repeatedly that he does not live with us, nor are we in contact with him. They continue to harrass me constantly!

Ok,URS called me last night again. I didn't answer but I did sent them a certified letter asking them to stop calling me. Lets see if that works. Its stupid! they use different people to call and they dont' even let each other know that they've already talked to me. WTF! No wonder why they get sued all the time by different people.

I am having the same problem on a debt that I owe. I have no problem paying what I owet, but they want it all NOW and I cant do that. What are my options? What have you all done?

I received a phone call from the person, they called my place of business and then they as well called my home. Each time being rude. This was the first call I received. I had recieved a letter form the credit card company stating that my balance was zero or $0 when they closed my accounts. this being said its would be inproper to try and collect on something you said was not owed as well as for this company to call and then and badger you while at work. I flat out told them they needed to call my cell phone only. I told them not to call me at my employer anymore. Now from what I read they will not do that, however by law they will have to. I was as well doing some research on this company and found a court case from the FTC talking about there illegal actions agaists people. If you are interested in viewing it read it @ http://www.ftc.gov/os/2002/04/unitedcmp.pdf

URS has been harassing me for about 2 weeks now and just today I found out that they've now actually called a neighbor of mine. I already set up a payment schedule with my credit card company to pay up to $50 a month since that is all I can afford. I refuse to return any calls made by URS and I'm very upset that they'd dare to call a neighbor. They have not yet called where I work, thankfully. I wrote a letter to URS today explaining that from now on they must only call my cell phone or home phone and that if they continue to harass my neighbors that I will take action. I have never denied that I am in debt and I would have thought that by setting up a payment plan with my credit card company, that would, in itself, show that I do take responsibility for my debt! But I'll admit now that I know they'd call a neighbor to reach me... would they call my parents at work?

They have called me a few times now. Nothing as bad as most of you seem to experience. The first time I thought it was a mistake and the woman I talked to said she would take care of it. This was approximately a month ago. Just recently I received another call from them stating I had a debt on a Bank of America account. The only problem with that is that I have never had an account with bank of america. The address he gave me for confirmation was an address I have never lived at. So as much as they may be terrible, they have tipped me off to possible stolen identity on my part which I am currently investigating. So maybe they did 1 thing right.

I've been receiving several calls from Mr. Proctor at URS regarding a debt with AMEX. I acknowledged the debt and wanted to make a payment plan and I wanted it in writing. He stated that they don't do that for debts and wants the whole amount. I explained my situation and he had the nerve to suggest I go get a loan to pay back my debt. I told him I am not going into further debt just to pay them in full. I've ignored his calls for the last two weeks. Next week I will answer his call and ask for the payment plan in writing, when he says no I will hang up.

By the way, I can still pay my debt online with AMEX so I don't think URS owns the debt, but are just collecting for AMEX. This equates that I don't have to pay URS anything and will not.

For all of you still having problems with URS check out how Dave Ramsey recommends taking care of collectors. Those being harrassed check out Robert Paisola, his sight has actual calls you can listen to where he has called collectors for clients. Some of those calls are very nerve racking.

Stick to you guns and don't let them talk you into paying them before you pay your mortgage/rent, food, utilities and transportation.

And NEVER, EVER send them post dated checks or give them electronic access to your bank accounts.

URS has been calling me for about a month or two. I usually don't answer. Mainly because I didnt even know who they were. Unfortunately, my son answered it yesterday and said yeah my mom is right here. Anyway, the girl Ashley Smith, asked me if I knew anything about my neighbor "steve." I wont give his real name. I told her I know him as far as the wave hi or bye when we pass, but that was it. I asked her how she cameup with my phone number. She told me she was looking at people that lived around him hoping to catch him. She then proceeded to tell me that she has even been trying to contact him at work! Keep in mind I still dont know who this company is. So I told her the best I could do was give him a message. She said that would be great. They were just needing to give him some real important information. I hung up. I then called the number which came up on my caller ID. When the girl answered I then asked what kind of company is this. She told me United Recovery Systems. I assumed that to mean a bill collector. So i guess my complaint is, since when is it the neighbor(hood) business if I (or my neighbor in this case) owe someone money! I would be very upset. I may even call the FTC to see if it is illegal for them to keep calling me in order to get to my neighbor. What do you think? Should I tell him?

It's incredible what certain companies will let you get away with. From past experience working with this company I know how truly unprofessional they are. My boss was probably the most rude person I've ever known. Working as a debt collector for years he honestly thought he could get away with talking to me like he was my father. It was ridiculous.
As far as harassing the customers go - I was not one who took this approach, but I knew many on my team that almost sounded hostile half the time. The reality of it is, in our company and to their employer (Dell) it was completely fine.
Also they work off of a computer system where we don't have a choice in whom we're contacting - other than that there is a system called search tracing - where credit card collectors do what I read above - which is calling everyone and their sister just to reach you. You may think it's harassment (and hell, it IS), but there are people out there who are horrible with their credit cards, and these collectors go in thinking the worst of people already (since half of the US population honestly suck with credit cards). Granted I can't vouch that it's the greatest way to get people to pay, it's half of the time affective, but full time annoying as hell.
Our team was supposed to look up to these people, and in a way they are very brave for going head strong with some of these horrible customers. Believe me, the life of a collector is no fun and games. People have to clean up the dirty work of other people and it's a pain in the rear end.
To answer someones question - we are authorized to call neighbors to find you. Some people leave the state they live in and leave behind nasty debts, it's disturbing. Some of these people don't even have jobs, there parents haven't seen them in years and the only trace of them is their name (or since there is no one with a unique name anymore. Don't ever name your child John Smith, sweet jesus!) tacked onto a house or apartment. So it's really cruddy for the unfortunate souls who are innocent and are indeed not the person the debt collector is looking for. The sad part is everyone lies. When you say you don't know that person or it isn't you, you could possibly be lying to a debt collector, and it takes many phone calls and years of experience to weed out the people who are actually telling the truth.
In closing, no matter what your situation, these collectors will do anything in their power to collect your whole debt. If they only get a little bit of your money, they won't stop calling. If they don't get any of the money, consider your butt SOL.

I can tell you this much. IF You have a problem with CREDIT BUREAU or COLLECTION or LEGALS you can post OPENLY at http://www.credit-bureau-lies.com.

As for United Recovery They have been calling my office over 195 times in past 32 days. I have told them stop. I have given them the phone numbers they have called in PA,OHIO,FL,TX,NV,and NY. Where we do have over 395 phone numbers for our VOIP company. They tell me over and over. IN their own way I am a DEAD BEAT. We now have it when they call the phone will capture their number and call them back from one of our clients LIVE PHONE SEX LINES and they can then listen to PHONE SEX. I have also taken the SPEAKER PHONE CALLS I have had with them which is taped on our SECURITY SYSTEM AUDIO/VIDEO and have them where they call me a dead beat per say. So this is going to get fun.

Collection Companies need to realize they are not 100% RIGHT. Like with me. I have a CHECK DEBIT CARD with bank with HIGH 6 DIGIT figures I draw against monthly and the CHECK DEBIT card can not go into collections it is only worth what your account balance is. The 2nd card is 187 Platium AMEX Cards we run from $225,000 to $315,000 a month on. AND AMEX LOVES US the fee's they collect at 2-3% are ASTATIC and when I called them they don't use United Recover for NOTHING. SO let's see. HOW RELIABLE IS THIS COMPANY... Well in my opinion the are "Worthless C O C K S U C K I N G "Mother F U C K E R S" that need to know they are now on my LET'S SUE THEM LIST" So you need to know if you want in on the class action law suite post it on the credit bureau lies site.

I've been trying to work out a payment plan but unfortunately have been unsuccessful in coming to an agreement. If it progresses to going to an attorney what happens? Can they attach wages? Go to jail? I'm really worried.

I am also receiving calls from this company. He repeatedly tells me that I am refusing to pay, when I have NEVER once said that I refuse to pay my debt. In fact, I am in the process of taking out a loan to pay off some of the credit card debt, mainly to get a lower interest rate. However, this man is demanding some sort of payment NOW. Well, I made a payment now, lol, I paid money DIRECTLY to AMEX. I will not give this man any money and my loan officer gave me that advice.
I haven't heard that they are calling anyone other than myself. If they call the other person that they mentioned that is NOT a signer on my account, they will probably end up with a lawsuit on their hands. If my violent ex husband finds me because of this jerk, there will be HELL to pay!

You know what sucks. A few bad apples can ruin the whole bunch. I am a debt collector with URS and my manager refuses to let people get out of line. The refusal to pay line that you all hear so much is ligitimate. At the time that the debt goes into collections the balance in full is due. If your representative can get a payment arangement approved, but you are not willing to do it, what else can it be called? I have people who tell me on a daily basis they are not refusing to pay their bill. They say they cannot pay it and there is a difference. I completely agree, there is a difference, but when we find out that you are telling us that you cannot pay our client $50 monthly but can afford $65 for cable there is a problem. It is not that most people cannot pay their bills, most of them just do not want to.

We are not all here to make people feel worthless. Some of us are just doing a job. As a matter of fact, most of us have been on your side of the phone calls before. If someone calls me demanding something, they probably will not get it. If they call and speak to me in a reasonable tone, chances are I will work with them and everyone comes out on top. If you cuss me out, I just forward the acct to the law office.

If you do not set up payments with the collection agencies your money will be applied to your account but the account can still be sent to their attorneys office. I did the same thing and wound up getting sued. Apparently even though the balance is going down, that does not mean anything in the court of law. It is all B U L L S H I T if you ask me. I think the true deamons are the credit card companies. They are all trained to tell you what you want to hear and over look all the down sides. Don't get me wrong debt collectors can be B I T C H E S sometimes but Bill is right, some of them are ok. As a matter of fact, I had a Capital One card and the guy that called me was pretty helpful. Hooked me up with a 9 month arangement and gove me a lot of good advice. Too bad he didn't have my Amex.

I only have one to ask. Where is URS located?

Here is their contact info. Let 'em have it!

United Recovery Systems
Glenn P. Osuch, President
Douglas B. Schultz, Chief Executive Officer
5800 N Course Dr
Houston, TX [protected]
Phone: [protected]
Fax: [protected]
Web site: www.ursi.com

Oh no! Someone called my neighbor looking for me! I've been violated and/or they've been HARASSED (they haven't)!

Oh no! I don't pay my bills and someone called me at work! That's ILLEGAL (it's not)!

Oh no! I thought I could take a bank's money and not have to pay it back and the people that call me aren't super nice to me! That's UNFAIR (nope)!

Pathetic wastes of space, all of you. If someone borrowed thousands of dollars from you and didn't pay it back and didn't return your phone calls or respond to your letters you'd be calling their relatives and neighbors too. And if they responded in any way besides kissing your ### and apologizing you'd be furious.

It seems that most of you in debt seem to forget the fact that you borrowed money to purchase products or services. Although some collectors can use unfavorable or unethical tactics, to suggest that that is the norm seems to be a little ignorant. Furthermore, it isn't illegal to solicit post dated checks in most states, and contacting neighbors and relatives to leave messages or to find location information is completely legal and is a common practice among debt collectors. Keep in mind that collectors will also often ask some questions that may seem personal to you in the hopes of finding a way for you to pay back your obligation. This should be expected when you use other money to pay for your wants or needs. Collections is essential in the American economy. My advice is to work with collectors to resolve your debts.

I just got a call from URS and the guy made it sound like he was from the IRS. I don't have bad credit but he was looking for my ex who I hadn't seen in 10 years! I called back and asked for someone to clarify more what this business was all about. I don't like having to dredge up old feelings because of this.

chris

I called URS to settle my debt for .50 on the dollar.
That would have been the original balance before late fees and interest accrued on the account.
My vehicle was repo'ed and sold.
Ashley whispered that she could get it for much less if I gave her some information. Right there is a lie. No collection agency wants less than they can get.
She wanted to know how much disability I got. She wanted me to write her a post-dated check, (illegal), and she wanted my bank account number.
(I didn't tell her anything and didn't post-date a check)
She said if I gave her the information, she would take the information to the bank, (lie), and see if they would settle or want more.
She said why should they settle for less if they can get more? She said if they found out I could afford more, they would take payments.
She kept saying I had to tell her immediately, that I couldn't hang up and think about it.
She said that they had a client who gave them 24 post dated checks and they cashed one a month.

It was really absurd and I did hang up and called the originial creditor, who defended everything but the asking about my personal income.
I am not sure if I will send payments, (money orders),
and keep copies for myself or wait until they take me to court.
In any case, I won't voluntarily deal with them again. That was enough.

P.S. I read some posts here from collectors.

Big companies write off bad debts. Your companies purchase the accounts for literally pennies on the dollar.
You are strictly in this to make money, so spare the sanctimonious speech about people deserving this treatment because they don't pay their bills.
If people paid their bills, you wouldn't have a job.

>Bill said:I completely agree, there is a difference, but when we find out that you are telling us that you cannot pay our client $50 monthly but can afford $65 for cable there is a problem. It is not that most people cannot pay their bills, most of them just do not want to. <

That's an assumption. Case and point: I cosigned on a vehicle loan for my son back when my longterm credit score was 750.
He is the only one who uses/pays for the truck, yet that vehicle is on my credit report.
One could ASSUME I had the money to make the payments every month- but, if one ASKED, they would learn that I did NOT have the money to pay for it.
Not everything on a credit report is cut and dried.

I agree that these companies are outrageous. I had a daughter who charged up a lot of money and then did not pay it off. I know what situation she is in. But she had used us as a reference for her bills when applying for credit. Now we are receiving the calls. Doing some research and one collector even told me this. First verify that they own the debt and find out what amount is actually owned if its yours. They have 30 days to respond. Then if you dispute the debt or it’s not yours, Send them a cease and desist letter telling them you want no more contact. Untied Recovery Systems address is 5800 N. Course Dr.
Houston, TX. 77072.
Send this letter by fax and certified by mail. It works. Also they are not listed in the phone book but you can find them online under the yellow pages.

i have just started training a week ago, they make it seem like something super strick and hard to do. Plus the people there make u feel like ur never going to make there. I mean i used to work in custermer service and i understand the custermers, i understand that ### happens.Its not that they dont want to pay, its the problems that occur. i understand most people bcus i have lived throw most of those situations myself. Well i heard u make good money here, and that is why i joined for the money bcuz i need to support my family. i hope u guys understand that this is a job dont get pissed off when they call you they simply doing there job. I have more to say but really not worth saying take care people and dont get mad.

You have to document each and every call. Names, dates, time, plus recording the conversation.

You must also sent a certified return receipt letter to the collections agency requesting them to stop and be placed on their do not call list.

I am currently suing a company for collection activities for an account I never had! The Telecommunication Consumer Protection Act and your state's Consumer Protect Act may apply. If the collections company does business in your state, they must be bonded and licensed with the state. Dragged them into court.

You all need to go to the FDCPA website and find out your State Laws regarding collections and bill collectors. Calling neighbors or your job is not illegal until you specifically request them to Stop it. The state laws also regulate how many times they can call you and how many contacts they can have... for example, they can call you twenty times a day and as long as they do not talk to you or live a message it is not legally considered a contact therefore, not illegal. Do not waste your time complaining abt collectors here. Read on ur state laws and make sure they follow all the guidelines provided by the FDCPA. For every violation, they pay you $1000.00. So Educate your selves, follow the right steps and get them to pay for harrassing the right way. Coming to this site to complain and cry abt the calls with other debtors does not solve anything. And most importantly, pay your bills on time. But all the complaints you have might be valid. GO TO THE FDCPA WEBSITE AND YOUR STATE LAWS REGARDING COLLECTION EFFORTS. And put in mind every state has different laws for collectors that is why airing ur grievances here is a waste of time.

PS: I used to work for collections, and all collectors are not all bad. There are some who will listen to you and help you. (Not all), and PS I hated being a collector because I myself was in debt too, so it did not make sense for me to harrass pple when I was barely taking care of mine... paradox.

You all need to read on the dotted lines before u sign contracts. Alot of these things u are complaining abt are things you put urselves into. For example, the cosigner of the track, what did you think co-signing means. If the debtor can't pay, then they come after you. That is what co-signing is. So they are not doing anything illegal by calling you about ur sons car/truck. Read the contract u signed.

My fiance works strange hours in demo/const amd I keep getting a hang up from [protected] every day and sometimes more than once a day. Today I finally called them and was told they needed to speak with him and insisited on knowing when he would be home. I asked why they didn't leave a message when the machine picked up if they need him to call them. She began very "mysterious", refusing (thankfully for her) to give me any real info, but certainly making it sound like something in the shadows. Unknown to her, we have been together for 9 years and I handle all finances for us. There are no outstanding debts except for the normal mortgage payment and once credit card payment each month...done ahead of time! Who are these idiots?!

They just introduced themselves to me today. Like the person above me I pay my bills as they come in and there is no way I have any outstanding debt. I live in a Michigan, which is a non-community property state and whether she has debt or not it is not supposed to be tied to me, she does not as far as I know.
I called the number back out of curiosity and was told the person who called did not work there, then oh yeah she might, but she left. All the while the women, Janet, was fishing for information about me. How do you spell your name? What is your phone number? What is your address? What times are you and your wife not at home? I did not give the address or the times, but told the woman that I wanted to speak to her supervisor. Some guy who refused to give his name, explained that he was too busy to talk to me. I called the sheriff's office and made a complaint, they sent a deputy and took a statement, but all he did was to call the company and ask if they were legitimate, which of course they claimed they were.
From the questions that they were asking me, it sounds like they are branching out into identity theft. I advise caution about you information when dealing with these people.

In all fairness to these bloodsuckers, I called all my current cc companies and it turns out CITI bank is trying to collect on a debt that was discharged through bankruptcy court in 1994.