Is some company you have never heard of calling you, perhaps with a name including the words 'Recovery', 'Credit', or 'Services', and leaving messages regarding a debt you thought was owned by a big bank like Chase or Bank of America? Depending on the methods used, they may be in violation of the 'Fair Debt Collection Practices Act' (FDCPA)--and liable to you for $1,000, plus attorney fees!
Prohibited behavior includes (among many others):
-Harassment, including profane language, threats of bodily harm, threats of publicity
-False statements about the alleged debt, including amount due
-Representing that the collector is an attorney (when he or she is not)
-Threatening garnishment or seizure of assets if debtor exempt from that manner of collection actions
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