If you have been contacted by vandenberg chase and associates with threatening language, harrasment by calling continuesly, leaving threatening messages by voice mail. They have already violated your rights. You must contact the FTC, and report them immediately, these company does not have the work ethic in trying to resolve the debt, Harrassment is their Theme, and they must be stop and out of business. A liget collection agency follow their companies rule and regulation, not by intimedation to collect a debt and musnt discuss any information pertaining to the debt to anyone else other than to the person who is in question. Before you give out your bank account information which is a no no you must investigate and protect yourself from getting scam..If they have waited 5 years to collect debt, they can surely wait another day or so...until you can do some investigation yourself to make sure you are not being scam... its better late than sorry.....