I recently received a call from Mr. David Baker. First of all, I never call collectors back, because I already know what they are going to say. I used to be a collector.
Do not ever let anyone scare you into sending them money just because they use words like "Florida State Claim Number", and leave you instructions for your "attourney" to contact them immediately, before legal action is taken.
In most cases, if you have real legal action taken against you, you'll get letters in the US Mail with real court house info, and real deadlines.
Gyms, cell phone companies, department stores and most credit card companies will not spend the money that it costs to sue a debtor, even when the dollar amounts reach into the ten-thousands. You probably aren't being sued - you are being threatened.
From the phone message I received today, Mr. David Baker only said a few things that could be argued as "illegal", as far as the Fair Debt Collection Practices Act goes.
He did use the word "Case Number", and advised me to have my attourney contact him immediately. If you are really worried about being caught up in a legal mess, take that case number and look it up in public records. Call your local court or legal bureau and ask them how to find out if you have anything pending against your name. Chances are, you do not.
Be safe! Don't give out any information (private or otherwise). It's probably best to just ignore the phone call. It works for all the other collectors.:)
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