EPN, INC Scam!!! What constitutes REASONABLE attorneys fees on collections? No negotiating a $420.00 collection fee for a $10.65 check? Provo Utah

Anytime you are contacted by a collection agency, you should exercise your rights under the Fair Debt Collection Practices Act to request written validation of the debt.

Your first step should ALWAYS be to request this written validation. Send them a letter via certified mail with return receipt stating:

Per the Fair Debt Collection Practices Act, I am requesting written validation of this debt.

DO NOT sign your name on this document..They might pull off the signature and put it on forged documents.

Step # 2: Read up on the Fair Debt Collection Practices Act and understand your rights.

If you decide to pay, DO NOT give them one penny until you get a written agreement from them about the exact amount to be paid. This agreement should state that the account will be paid in full upon receipt of this agreed-to amount.

NEVER, NEVER, EVER give a debt collector your bank account numbers for them to do auto debits...they will raid your checking account if you do this. Pay only by USPS money orders.

Debt collectors cannot take your firstborn child...They cannot send the sheriff to your residence to have your arrested...they cannot send the SWAT team to your house....They cannot garnish your wages at the drop of a hat. If they are serious about taking you to court, they will have to go through a lengthy process of serving you court papers and arranging a court date.