Received a "typical" settlement offer for an old debt I believe I've paid long ago. The original creditor had nothing on file any longer. Regardless - I called the collectors to establish contact, pretty much ready to pay it off anyway - when suddenly, after an interruption, I began to receive phone calls from them which were identified as "TELEMARKETER." That raised my suspicion, and upon investigating further realized that their payment website www.erccollections.com is not only unsecured, but it does not supply ownership information, and HAS A FAKE VERISIGN logo without a link! I rest my case on the last fact - they're fraudsters.
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