Jul 15, 2015
Legal papers are not sent by E mail, fax, phone, or smoke signals. They have to be served in person by a court authorized server, or sent certified, return receipt mail.
I wouldn't even engage them. There is no point, these are criminals, they know they are criminals, and it simply will not bother them when you point it out.
I would however file complaints at these organizations:
http://www.ic3.gov/default.aspx
Read up on your rights here, get template letters to send 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://consumerfraudreporting.org/stateattorneygenerallist.php