Dear SCA:
Firstly, roll over numbers are against the Fair Debt Collections Act and a simple phone call is not proof of debt nor does it give you the right to harrass people.  Debts must be validated in writing within 30 days( http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm ).
Secondly, you state you have been in business since 1994 but according to the state of Missouri it is actually August 2010 ( https://www.sos.mo.gov/BusinessEntity/soskb/Corp.asp?3009019 ).
Thirdly, although you do have an A+ rating, I notice you neglected to leave out that you have had 14 complaints and this business is not BBB accredited ( http://www.bbb.org/stlouis/business-reviews/c ... 1142/complaints ).
Any one who wishes to have you stop contacting them may do so with a "cease and desist"  via certified mail/return receipt requested addressed to:
                                   Specified Credit Association
Registered Agent Name: Alex Varady  
Office Address:              2388 Schuetz Drive, Suite A-100
                                   St. Louis MO 63146  

or via fax at:                  Fax: 314-209-1545

Failure to cease contact with out validation gives them the right to file a complaint and or a suit.  Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.  Missouri AG can be reached at ( http://ago.mo.gov/Consumer-Protection.htm )

Lastly, you give collection agencies a bad name!

I don't usually answer calls from numbers I don't recognize, but I rec'd a call 4/25/2012 from the number listed 314-218-2199, said he was calling on behalf of a collection agency for a bill due. Stated they/he had papers in their office, didn't give him any information. The conversation was short, because the phone line dropped, I called the number back 10x and it had a recorded man's voice that the number was no longer in service. Weird for an agency number to be out of service if you are calling to collect a debt.  Scam, scam...be ware of

Hey, SCA, instead of trolling the net trying to defend your illegal actions and harrassing others about debts, HOW ABOUT YOU PAY YOUR OWN DAMN BILLS? Yes, folks, SCA is a DEADBEAT DEBT COLLECTOR. DON'T pay them one penny. SUE THEM TILL THEY GO OUT OF BUSINESS. Worthless, pathetic, miserable slimebags is all they are. UP YOURS, SCA!

Specified Credit Association DOES NOT PAY ITS OWN BILLS and BREAKS THE LAW INTENTIONALLY. SUE THEM OUT OF BUSINESS.......................

Did a representative from Specified Credit just give information about the age of a client they call?

That's giving out personal information and is against the law.