how to respond to call

I wouldn't call them back. I don't think it's wise to ever talk to a collection agency over the phone. If you don't know what the bill is about, the next time they call, tell them to send you the details in writing to the address they have on file for you. Say thank you, and hang up.

thanks... if they say, "is this ---", and it's me, or if they ask my name, do i acknowledge that and then say what you suggested? or don't even acknowledge they have the right person?

I would give them your name ....request debt validation by mail and give them nothing further...good luck!!

Always request validation before paying any debt to a collection agency or collection attorney.

I would definetly get validation before sending them anything. I would also insist on paying they via US mail or Western Union. DO NOT give them any banking infomation. Don't let them threaten you, they can not send you to jail and will try anything to get you to agree to pay them right away. I have had similar problems and am currenly working on getting them all figured out.

hi... thanks for all your replies and advice... once i get the validation, and it's legit but i can't pay it all, would i then contact someone here for debt considation? can they legally enter into any other methods of collection, such as a judgement, before i receive validation? thanks again.

They would probably was to work with you before it goes to litigation (which costs them and you more). After you have the validation (or before if you want) you can contact T & C (I will PM the info to you) and get a consolidation started. They are the only ones that I have found that will work with payday loan companys and they have come highly recommended from others on this site.

Oops, just realized that I can't send the info to you until you register with this site. Contact me after reqistration and I will gladly send you that info.

hi... thanks. this isn't a payday loan; if it's a legit call, it would be a credit card i've fallen behind on... does t&c deal with that? or is anyone better for credit card debt?

Yes, they will deal with that as well. They are just the only ones that will also help you take care of payday loans.