Yep. Me too. The crappy phone call with a rude rep from the "Law offices of Laurence Hecker" I thought she said "Heckler" and started laughing. Anyway, same story as everybody else. She began the call by asking me if I had ever heard of Washington Mutual Bank. WTF? I had NO idea who this person was, why they were calling, and when I tried to ask questions she went nuts. I got the letter a few days after the phone call (I had to hang-up on her just like everybody else).
The client is stated as Pinnacle Credit Services. I'm not sure I ever had a cc with the original creditor. It doesn't ring a bell. I did go back and look at my divorce decree and my ex and I split credit card debt. Still couldn't tell though and that was a long time time ago. Could be past SOL. I really do need proof and I asked for it in writing, citing the various federal laws (as well as my state statue). But really, that's not the concern is it??
I pulled my credit report and this account IS on my report. AND it now shows I made a payment on this card earlier THIS YEAR!!! I looked this up. It's called "re aging" and it's (of course) against the law. So first I don't know if this is an account I ever had, don't know if I even owe on it if I did have this account, certainly haven't made a payment on this account this year, and the letter from Laurence Hecker says I owe 11k+. Wow.
Mr. Hecker was not disbarred. He was SUSPENDED for 3 months in 2001 for misconduct of an employee and poor supervision of that employee (and for rehiring that employee, who stole money from a client repeatedly and was an addict). Hecker was ruled against in a PA court in 2005 for misleading statements in his letter(s) to alleged debtors. (The wording has been changed as a result of that ruling). In November of 2010, the AG of West VA did indeed force Hecker to pay 45k + costs BACK to victims in that state. These were people who had paid Hecker's various collection entities (APM Financial is one of them), on debts they either didn't owe at all or debts that were past the SOL.
Bottom line for me? Sent letter as required- requesting proof of Hecker's licensing to collect debt in my state, proof of the original debt, amount owed broke-out by principle, interest and claimed fees, documentation of how many times the debt has been bought and sold etc etc (look up everything your latter must have in it) and MOST importantly: disputing that I owe the debt in the first place. You must clearly write: I do not believe I owe what you say I owe. (Or simple words to that effect).
Now I will file complaints with: FTC, Washington State AG, New Jersey Board of Ethics (phone number 609-530-400

and wait and see what happens. I already have grounds for criminal violation of WA State Fair Credit Statutes bc the original phone call came from an employee who claimed to be an attorney and at no time identified herself as a debt collector. In addition, I have proof of re-aging and this debt has been reported to the CBs (credit bureaus) by more than one entity, all part of Hecker's alliance. (The latter is a bit weak, I admit. But Pinnacle, APM vCollect Global and others are part of the Hecker Alliance).
As for you, Hecker Employee, you who attacked people who just need to pay their bills and blah blah blah. I CANNOT wait until misfortune befalls you. And I'm deadly serious about that. Because it will.
LASTLY: DO NOT MAKE PAYMENT ARRANGEMENTS OVER THE PHONE EVER. This "firm" will drain your account and/or withdraw funds well past the agreed upon amount.