Your personal problems are not defenses to a debt claim, but they are not to be thrust in your face by insulting bullies, either. Thugs like this don't want your stories, they want your money, and they prefer that you not question why you're paying. Never ask ''How do I pay?'' Always demand, ''Prove I owe!''

I received a letter from this company and was immediately suspicious.  I owe no debt, didn't recognize the company I'm suppose to owe, no one signed the "delinquent notification" letter and when I went to their so call website, the owners name wasn't listed.

This company is not legit and even you owe the debt - try contacting the company directly.

I'm thankful for this  blog - it was very helpful.  I feel outrage that this kind of nonsense is allowed to go on and I feel deeply sorrow for the individuals that fall prey to this mass.

I wonder if this letter illegally omitted or overshadowed certain disclosures required in an initial dunning ....

FDCPA § 1692g. Validation of debts
http://www.law.cornell.edu/uscode/text/15/1692g

Most third party collection agencies trying to collect on a payday loan are usually a scam! Online payday loans sell your information to third party collection agencies for pennies on the dollar. These companies are usually not licensed to collect debts.  This company is located in New Jersey and has a website (kramercollect.com).  These type of companies can set up a website for free and make you think they are real.  The company is a member of the ACA International.  In New Jersey it is against the law to call your employer. You can go to the ACA International website and it will tell you that they have been members since 2007.  If this company is calling you at work or you are being harrassed at home you can file a complaint with the ACA International.  Sometimes this could be the second or third company too buy your loan.  Even when people pay off their online payday loans they still sell the information.  They are not allowed to threaten you and take you to court.  It would cost them more money to take you to court and they are in business to scam people not lose money.  They will use any scare tactic to get your credit card information. For the one person who does not pay they get five people who will.  

Reporting to ACA International, the industry lobby group fighting every day to justify bad collector behavior, is like complaining to a den of wolves when your chicken coop is raided. One should take complaints to outside authorities like the CFPB, FTC, and attorneys general. But realistically if your own rights are violated, you need to win back your dignity and a few grand in court, using the right of action granted by the FDCPA.

FDCPA § 1692k. Civil liability
http://www.law.cornell.edu/uscode/text/15/1692k