They called my in-laws today (just happened to be visiting) and demanded $945 either by debit or credit card or they were sending a Sheriff to come take me to jail. He said he was an attorney representing a company called "Inside Capital" and said I committed wire fraud in 2012. He had names of family and the last 4 digits of my Social Security number.

When I asked him for more information on what this was about, account numbers, he said since I was playing "hard ball" he'd give me just one more chance or he was calling the police. I told him "You, sir are committing fraud and harassment." He said he was then going to see me in court and then hung up.

Seriously????

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Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
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