Jun 12, 2013
These are highly illegal attempts to collect a debt. Collectors are legally bound to tell you the truth, but they claim to be the FBI and that they are going to send the police, yadayadayada. Don't believe it. There are no debtors prisons in the United States. Them trying to draw money from your account is not a "bad check" as far as the state is concerned. They know this. By law they must send you a certified letter with the alleged debt, and you have thirty days to dispute it before any action can be taken. In my case, I am protected by the bankruptcy courts and they would have to go through the trustee before anything can happen. This means that they ultimately might have to wait 6 months or more to try and get their money back. Basically these kinds of collectors are nothing but scum bags and you can ignore them for a long time.
If you owe the money, and cannot pay it back: talk to a bankruptcy lawyer. Good luck.