This is an e-mail I received tonight from FFG and Associates. I took out my personal info. I haven't received any dunning letters from this company regarding any debts they are trying to collect on and I am a bit fuzzy on the FDCPA laws in regards to CAs. I understand they need to send a dunning letter within 5 days of initial contact. Does initial contact mean an e-mail or viocemail, or do I personally have to speak to them? And if they don't send a letter, what actions can I take against them besides filing with the FTC, BBB, and Pennsylvania's AG?