Need Advice

Well I wouldn't pay them anything what state are you in? Believe me it was legit they would be able to provide you some sort of documentation. Did they give you a telephone number or name of somewone that you spoke to? Someone will along shortly to advise you further.

You are within your rights to request documentation, and it was wise to make that request. In fact, I????????m pretty sure that if a creditor cannot verify your debt you are not required to pay it. (Do I have that right? Does anyone know?)

I do know it is a violation of the fdcpa to threaten jail time. This person is breaking the law. I would recommend familiarizing yourself with the law (the Fair Debt Collection Practices Act) and avoid paying this debt until you receive verification. In the meantime, don????????t worry about getting arrested. There are no debtors???????? prisons in this county. Even if you do end up owing the debt you cannot be thrown in jail for not paying it.

The FTC is a great place to start.

Maggie Beetz, Senior Financial Writer
National Financial Awareness Network

There is no such thing as US National bank. It is a collection agency trying to trick you! There are at least a half dozwn threads on here about them. Do a search above and you will learn much! You can sue them for that and there are many lawyers that would take it on a contingency basis. Keep a record and tape them if you are permitted in your state!