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Message: [QUOTE="huskiesouth, post: 3115118, member: 3310"] The first contact from a debt collector must be in writing and comply with the Debt Collection Practices Act. As another poster suggested you have the right that they verify the name of the original creditor and verify the amount and source of the debt. You have no obligation to speak to them and maybe you should not do so until you receive the written verification. As another poster wrote this debt collector paid pennies on the dollar for this claimed debt, after you receive the written verification verbally offer them 20% of the debt, if they accept pay them after you receive the settlement in writing, if they refuse tell them thanks and don’t call again. [/QUOTE]