Mar 26, 2015
So i received a call from 1 508-458-6804. I answered and they were telling me a complaint was filed by my insurance company and they said I owed a balance of 50 something dollars. I stated that I wanted to know the validity of the call and why I was just now hearing of a debt owed from 2011 when I was under the impression that my insurance covered my medical bills from that year. He told me that it will be put on my credit with more collection fees added to it that "are much more expensive than paying the 50 dollars" I continued to ask the validity of the call and if they could verify that for me then he became angry and began to threaten me with putting it on my credit score and that I was being ridiculous for not wanting to just pay the small amount of debt. I was going to say that I thought it was ridiculous that he couldnt verify the validity of the call but then he hung up on me. So I called back to someone who greeted without stating his name or company. I said that I got a phone call from this number and I want to know the company name and his and he refused to give it to me. I asked him if he had ever heard of the fdcpa because I a debt collector myself and I know what rights I have concerning my debt. He became very belligerent and I told him that he was very rude and he was violating the fdcpa by threatening me and making derogatory statements and then he hung up.
As a debt collector myself, just know that any collector has to verify the validity of your debt if it is requested and they are NEVER to talk to you in this manner WHATSOEVER. Please don't give your personal info unless you verify the validity. Never ever give your sensitive info.