Don't settle unless you already have proof IN writing that this is a LEGITIMATE debt.

I received a phone call at my parents home.  The caller left a message and introduced himself as Reuben Yates.  He left a bogus phone number(866-237-6491, Ext. 105), which I called and the number was not a working number, so something is not right about these people and their motives.  I am upset because these people knew the last four digits of my social security number, how bizarre is that.  I don't care any way, you can't squeeze juice from a lemon if it is dry, so to the bill collectors, nyou all will be alright, we are in a recession, and I have more important things to do with my money than worry about a balance that will be swiped after 7 years, probably has been that already huh, yall are crazy.  Think people.  I tried to call the very same number this guy left for his contact number and the number is not a working number, you must be kidding me or themselkves.  This whole thing is a crock of [***] if you ask me.....

I did try and contact them and the number is not a working number.  Don't stress yourself, these people are as fraud as they come.....What was the number they called you from, or what was the number they left for you to call them back?  They left 866-237-6491 for me.  What has happened is these people have gotten their hands on some sensitive information, that they shoulkd not have in thei possesion.  They are pretending to be a collection agency or lawfirm and are threatening people to send money in htat does not go towards whatever past due balance you really do have.  These people take the money and pocket it.  They will soon be caught.

The name was Reuben Marshall........

At 10:41am, I received a call from a Bryan Norfolk who claimed to be representing Maryland National Bank with a firm of Rubin & Yates. I was a little shocked because they called my WORK phone. I asked him how he got this number and he claimed it was public record available through the court. WRONG.

I let the guy spill his crap about I owed $4359.06 from a debt in 1993. He spoke quickly and said that an Affidavit was being filed against me in the Clark County Court and I would have to go to court on this debt unless I made arrangements with them today to make payment.

I then asked him his last name again. He stuttered and repeated his crap about taking me to court. I said well, I'll give you a fax number and you can fax your complaint over to me for review. He said he wasn't going to fax anything that if I didn't pay they were taking me to court. We went round and round with him claiming I needed to "cool my jets." Boy, don't tell me that!

Then I started gathering and making him repeat information which he didn't want to do. He claimed I was confrontational and I told him he was all hot to trot about who he represented and now he couldn't tell me? Meanwhile, I'm looking up his telephone number and came across this site. Then I let him have it. "I'm not going to cool my jets. Do you know the collection laws of Nevada? Apparently not, so let me tell you. IF this is my debt and it is now over 6 years old you cannot legally file a claim in court. Do you even  know what an Affidavit is? Do you know how to properly serve someone a complaint? It isn't done by an Affidavit and it isn't done over a phone. And, do you know that by contacting me at work you have violated Federal law?

He kept saying he was going to take me to court, yet wouldn't provide a complaint. I said, I have been to court numerous times in Clark County in the District Court, Justice Court, and going to the Supreme Court. There are rules that you are required to follow to serve someone a complaint, and this is not it! He said those rules did not matter. I said, The rules of the court DO matter, I am a paralegal. I know what I am talking about. Of course, he claimed I didn't. Whatever. So, eventually after being whipped, he hung up the phone.

Ten (10) minutes later someone else from his firm called me, Dan Hollister, and claimed to be an investigator. He said he had received my file and wanted to verify some information. I said, Yeah, you received my file about 10 minutes ago and go ahead, what information would you like to verify? How about the information that you all are in violation of Federal law? How about that you can't collect a debt (real or imagined) in the State of Nevada that is over 6 years old. He hung up too.

End of story. I am reporting these people to the FCC for their blatant violation of Federal laws. Let's see how they get theirs butts out of that court date. >:|