make sure that they are able to follow fdcpa..if they are collecting for a contracted account, then they don't need to follow fdcpa..there are three types of collections, first party, third party and commercial accounts. sounds to me like you have a commercial account, if that is true, no fdcpa rules apply there. they only apply on third party collections. you said your husband signed a contract, that is the proof..they have a signature for a company contract...you might not be liable but if it is in a community property state..and you received money from the business from your husband at the time the contract was in effect..and if you were not inc or llc, you might be liable to pay it back especially if you guys were a dba..work something out with the company..they might settle on this amount due..it is not going away.. and can get worse if the company they collect for and the amount is high enought to sue on.