To ''act without your approval'' could mean he's going to fold paper airplanes or count the sugar packets in the collection office break room. Of course you're meant to imagine you are a step away from getting sued, much like the ''case number'' line heard by BeenHereBefore.

Whether you are called a debtor or some collector thinks you can flush one out, you have rights and options. Most are simple to exercise if you only learn how. 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

CFPB reiteration of the Fair Debt Collection Practices Act
 Sep 23rd, 2012
They keep calling me and family members, claiming that they need us to call back regarding an important matter. He leaves an 877 number to call and says we need to call him back to discuss an important matter before he acts without our approval. What the heck it that?!?!?! I looked up the number, and found out the number is linked to Windsor Equity Group, which has it on record that they've been investigated by the FTC for FRAUD and false representation of being part of law enforcement. What a pain in the butt!
 Sep 21st, 2012
Called for me stating they needed me to return a call to an 877 number regarding a statement they needed from me regarding a specific case number since I have no idea what case I would be involved in I researched both numbers further. The one they called from and the one they told me to call and found out this is a debt collector. Apparently they think it is ok to violate rights under the Fair Debt Collection Act regarding misrepresentation.
 Mar 16th, 2012
Everytime they call, they call twice in a row. No message, nothing. I can't hear so I don't answer the phone. If they want something from me, better mail it.
 Jun 15th, 2010
This person is a debt collector. They tell you someone is using your identity, which is a lie. And they try an get as much information about you as they can to verify you are who they are looking for.
 Apr 22nd, 2010
man claiming to be a detective called me from this number asking if
I know someone at a nearby address. knew my name and everything but we didn't even live near this neighbor or know who he was
 Apr 14th, 2010
A Sam Richards left the message on my machine for me using my maiden name and referenced a name I had never heard before. I called the number he left to see what happened and got a voice message. He left the extension number of 1158, but no plans to call him back. Debt free and no family!
 Jul 08th, 2008
Jackie Jones from Windsor Group looking for a neighbor, Jonathan Franklin. I do not know this person. I asked if they were looking for this person regarding a criminal matter and was told "not if they clear this up." Message left on my answering machine stated my name, regarding case #9680683 which led me to believe this was a personal matter regarding myself, and asked me to call Jackie Jones at 877-295-7376 x1185. Called ID showed "Windsor Equity 469-484-5750.
 Apr 17th, 2008
Windsor Equity - looking for my son but didn't say he was a detective. I think it's a bunch of whoha! Collection agencies are extremely shrewd these days! My son also dropped out of site!
 Mar 22nd, 2008
This "detective" ,Mr. Velazquez, called and asked for someone I don't know.Then, he asked for a person I do know. He also had the wrong address. At first, he was polite ,but then , he kept asking questions. It was weird and annoying. He told me that he could be reached at 1-877-295-7376.
 Jan 30th, 2008
This appears to be tied to 214-647-3580. The detective sounded professional direct, and is probably a collections detective, not an officer of the law. He was looking for a nephew whom I suspect (since he has dropped out of site) has unpaid debt. I called back once on my dime and did not make contact. No need for me to keep trying.
 Oct 19th, 2007