This is one of those scavenger debt collectors. They intimidate & lie. They claimed to have sent me a demand letter. But, the address they verified is over 6 years old & I don't live there anymore. Then they called back to 'follow up' on their correspondence. They should have received returned mail if they really had sent a letter. Also, they will lie about the statue of limitations. Arguing that a credit card is considered a 'written agreement' & collectable for 6 years. In this state a credit card is "open end" & expires after 3 years.