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REMEMEBR THIS ON ALL CALLS FROM ANY COLLECTORS:)

I came across this site with this info....

Debt Collectors and Your Rights:
Here is what a debt collector may NOT say or do:

Under the provisions of U.S. Federal Law, The Fair Debt Collection Practices Act, debt collectors may not:

* use threats of violence or harm;
* publish a list of consumers who refuse to pay their debts (except to a credit bureau);
* use obscene or profane language; or repeatedly use the telephone to annoy someone.
* give false credit information about you to anyone, including a credit bureau;
* send you anything that looks like an official document from a court or government agency when it is not; or
* use a false name.
*

Imply that failure to pay the debt could result in arrest, imprisonment, or garnishment of wages;
*

Call consumers at work when they knew the consumers' employers prohibited such calls;
*

Talk with third parties, including neighbors, children, and employers, for purposes other than acquiring location information about consumers, without consumers' consent;
*

Cause the telephone to ring, or engage a person in telephone conversations, repeatedly or continuously, with the intent to annoy, abuse, or harass a consumer;
*

Threaten to take action -- such as filing a lawsuit -- when they did not intend to do so;
*

Call consumers at times or places that they knew or should have known were inconvenient;
*

Fail to notify consumers of their right to dispute and obtain verification of their debts, and to obtain the name of the original creditor
*

Continue to try to collect debts after consumers disputed them in writing, and before verifying the debts.
*

Use obscene or profane language
*

collect any amount greater than your debt, unless your state law permits such
a charge;
* deposit a post-dated check prematurely;
* use deception to make you accept collect calls or pay for telegrams;
* take or threaten to take your property unless this can be done legally; or
* contact you by postcard.

Debt collectors may not make false statements. Debt collectors may not use any false or misleading statements when collecting a debt. For example, debt collectors may not:

* falsely imply that they are attorneys or government representatives;
* falsely imply that you have committed a crime;
* falsely represent that they operate or work for a credit bureau;
* misrepresent the amount of your debt;
* indicate that papers being sent to you are legal forms when they are not; or
* indicate that papers being sent to you are not legal forms when they are.

Debt collectors also may not state that:

* you will be arrested if you do not pay your debt;
* they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or
* actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action.

More Resources

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

If you believe you may have fallen victim to an internet scam and wish to report it, please file a complaint with the U.S. government Internet Fraud Complaints Center

I received a call from an operator by the name of KAREN MILLER from (855) 522-9770. She said she was with United Legal Services and that I was going to be served with a judgment or summons.
I was caught a little off guard and most of their information was inaccurate, except for a few things that draw you in, like part of your social security and somehow they discover connections to people you know.
The call triggered curiosity, so I called and spoke with an operator who passed me on to someone, who claimed to be a lawyer, by the name of DARREN MURRAY. After verifying some information he had about me, he began to tell me what I owe and that I needed to set up a payment plan and put a down payment to avoid a summons and a judgement, where I would pay $4600 or something in court fees.
After the call I investigated UNITED LEGAL SERVICES and discovered their history and looked up the lawyer, Darren Murray, who did not exist in lawyers to be verified.
Later that I week I received a call from Darren from a totally different number, then a few days later I receive another call from Karen Miller.
BE ON YOUR GAME AND KNOW YOUR DEBT HISTORY! STOP AND TAKE A MOMENT TO COLLECT YOURSELF AND SEE IF EVERYTHING ADDS UP! Call your local courtroom to confirm and do your due diligence.
MOST OF THIS IS DRIVEN BY FEAR, FEAR IS DRIVEN BY IGNORANCE.
DIG AND INVESTIGATE THE DEBT ISSUE FOR YOURSELF OR AT THE LEAST ASK AROUND, BUT DON’T ALLOW YOURSELF TO BE SCARED INTO PAYING ANYTHING.