Lowery Law Group This firm violates FCCA FCRPA and many state collection laws, they reveal your personal information to family members in an after to get you to call. They put inquiries and derogatory entries on your Denver, Colorado

This is a very shady operation, with many complaints against them. The worst thing to do is ignore them. File complaints with Denver Attorney General and your state licensing agencies. Notify them by fax that you want all communication in writing including exact proof of debt and that they have the right to collect the debt on behalf of their client. File an FTC complaint all most everything can be done on line.

 Make your debt whether its real or not more trouble than its worth to them. Never send them any money without a written agreement that they will not make or delete negative entries from the credit companies first. They are under investigation and the attorneys Lowery and Sullivan will be answering to the Bar association.

Keep a log of all calls, collectors names and correspondences. Call them more than they call you. Each time demand written proof be sent to you, including credit applications, proof of charges and demand letters from the original creditor. Most Statue of limitations for law suits are 2-3 years, learn your states law. 

Record all conversations most cell phones have apps for that, and tell them they are being recorded just as they do when they call you. Never ignore a collection agency it is easier to win when you follow the law and they don't. Legal debt should be paid, but if you are having bad times and the time has passed for them to sue you, you do not have to pay one cent.

You may negotiate to pay off thousands for a few hundred. If they are collecting a debt you don't legally owe, you can actually win money from them.