I was contacted today by phone on a line that isn't even listed as my own. A Mr. Bill Dorsey (I am unsure if I am spelling that correctly) contacted me and told me that he had been given this account by another agency and trhat I had 2 hours to come up with someone who had a credit card for the complete balance of what was owed. He never stated what company he was from, or even really who he was other than his nameand call back info. I explained my circumstances regarding the account and he told me that he frankly didn't care and that I had two hours to come up with the money and call him back. He then hung up the phone on me without giving me a chance to respond. He didn't exactly threaten me with a specific recourse, but his manner was threatening and very upsetting.
I contacted Employee Services where I work and they gave me the number of legal aid in my state, who in turn gave me the number for the FTC. I called the FTC and filed a report. They instructed me to call back and get an address and name of Company to send a cease contact letter. I called back the Company where a secretary answered with the company name. She stated the name extremely fast so I asked her to repeat it, then asked her for an address where I could send info to. She told me she didn't give addresses and asked who I spoke with. I told her Bill Dorsey and she forwarded me to the man without even asking my permission. A different person answered and I asked him if I coould get an address to send information to them.
He was immediately defensive and aked what kind of information. I told them I contacted the FTC and told them they instructed me to get the address informtion so I could send them in writing what I could afford to do. He told me that he didn't believe I contacted the FTC, that they were a federally backed collections agency, that he didn't have to give me ANYTHING, and that Mr. Dorsey had a "right" to be angry with me, and that the payment options given to me were the only ones that they would accept. I told them that I did indeed contact the FTC, didn't appreciate the rude, threatening behavior, and again requested the address. I was then told if I wanted the information so badly I could do the research myself, and again hung up on. I recontacted the FTC with the name and they looked it up online for me and gave me the conatct info I needed with further instructions to not deal with these people by phone anymore, to just send the letter by certified mail.