Franklin collections have contacted me by phone and by U. S mail. The letter received was a standard collection letter, the phone call was marked by several FDCPA violations. The rep that contacted me did not recite the mini miranda, she told me that I had to make a payment that night or I would be sued by the company. I asked her the company could sue me for not making a payment and it was after business hours. The rep told me I had to do a check by phone. I told her I did not have an active checking acct. She told me that was the only way to make the payment that the company was not set up to receive mail. I asked her why was there a return envelope in the statement they mailed to me she said that was just something included but I could not send in a payment. I told her that it was not my fault that her company was not set up to receive mail and that the only way I could make a payment would be to mail it in. The rep told me I would be sued if I did not make the payment over the phone. It wasn't until I told the rep that I was aware that she had violated many of the FDCPA laws that she decided to end the call.
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