From your description, it sounds like the debt collector is violating the Fair Debt Collection Practices Act (FDCPA). However, what you describe is typical of scam collection agencies that are just using outrageous tactics to scare you into giving them money for a debt you may, or may not, owe. You should probably consult a local FDCPA attorney for a more detailed evaluation.
Answered on Jan 24th, 2012 at 1:55 PM