Calls frequently today.  Number comes across followed by ARS.  ARS is: Accounts Receivable Servicese, this is another name for Reliance  Recoveries.  Interestingly, I was pay RR monthly, then the 'sold' so ARS.  No more bills but got notice of conciliation court suit despite regular agreed upon monthly payments.

I would retain an attorney and file a counterclaim against them in your answer to their complaint.  Move the case to Federal court and sue them under the FDCPA for violations.

Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Also:

Read up on your rights here and also make a complaint at this government site:  http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   http://800notes.com/faq/attorney-general

Thank you!

You are very welcome!
©