ARA Inc., ARA, Mark Farmer ARA is claiming to be a debt collector, they recently obtained and are now the legal owner of my "Bank of America" account. Villa Park, IL Illinois

The letter states, all obligations regarding this debt and any applicable interest and or fees have been fully transferred to their office. It says I owe $21,81.75 THIS IS A COMPLETELY FALSE AND A SCAM. It says to remit a check for the amount of $21,581.75 payable to ARA, Incalong with the payment slip in self addressed envelope  

ARA is claiming to be a debt collector and are trying to say I owe them $21,581.75 for a Bank of America account that is not mine. This is false! This is a scam and a fraud. I received a letter in the mail stating that ARA, Inc. recently obtained and are now the legal owner of my "Bank of America" account and it gives an actual account number and ARA file #1465712-01 (whatever validity that has). The letter states, all obligations regarding this debt and any applicable interest and or fees have been fully transferred to their office and I can remit a check in the full amount of $21,581.75 payable to ARA Inc., along with the payment slip and self addressed envelope provided. Then it goes on to say, if I can't make the balance in full to call Mark Farmer at ext. 3402 to discuss acceptable payment arrangements and to answer any questions that I may have. I tried calling the 888 number provided (888-409-5060), but it is a conference call line and it says to wait for the host to start the call. At the bottom of the letter it states if I do not dispute the amount on the letter within 30 days , then ARA, Inc, will assume that this debt is valid and they will obtain a copy of a judgement to their office and will mail me a copy of such verification...and goes on, etc...blah...blah.