Who are ''they'', please? What exactly are you told? With details, others may be able to help.

. . . . . . . . . . . . . .
Whether you are called a debtor or some collector thinks you can flush one out, you have rights and options. Many are simple to exercise if you only learn how. You are granted control of how you are contacted, the right to dispute debt claims, and the means to sue violators at low cost. The FTC and the CFPB can start you on your homework. See also if your state laws grant additional or stronger rights.

official FTC guidance and staff opinions on the FDCPA, PDF copy of the Act
http://www.ftc.gov/os/statutes/fdcpajump.shtm

CFPB reiteration of the Fair Debt Collection Practices Act
http://www.consumerfinance.gov/guidance/supervision/manual/fdcpa-narrative/
Resident47
 Oct 20th, 2012
they keep calling me and threathening me about paid bills!!
tired of it all
 Oct 18th, 2012

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