A legitimate debt collection company would not hang up on you for requesting an address. There's no such thing as a restraining order involving a debt. It is against the law to threaten you, as this employee did. Verify that you really have an unpaid debt by contacting Bank of America AND checking your credit reports from the three credit reporting companies (in case there's erroneous info on them that needs to be corrected). Also, check the statute of limitations for debts in your state; you're already more than 7 years past the alleged unpaid debt. It's possible that your state has laws to get a debt that old expunged from your records -- and that's assuming you really did owe it in the first place. If, indeed, the claims about a 2003 debt are false, or if they're trying to coerce you into paying a debt that's past the statute of limitations for your state, it's in your best interests to file a report against Litigation Support Services with the Federal Trade Commission (FTC).