This company is Williamson and Brown. Here recently I contacted this company with a a legal request of documentation:
1. $amount of debt,
2. name of the current creditor (which may differ from the original creditor who might have sold your debt),
3. a statement that that debt will be assumed to be valid unless you dispute in writing within 30 days,
4. a statement that that if you do dispute in writing within 30 days, the collector must mail you written verification of the debt,
5. a statement that if you ask the collector in writing within 30 days, the collector must send you the name and address of the original creditor if it's different from the current creditor.
This company failed to supply the information, not only once but 7 times. In the mean time I had spoken with a different young lady who advised me that I should call the credit card company. Upon doing so I learned that they had no idea who I was. When I called the company back they stated she should have never told me to do that etc... They seemed annoyed that she had done this. What I have learned is that this is a debt collection company and whether or not the debt is legal or not they seem to be making false claims. I contacted Equifax so told me that they have nothing of the sort reported against me. I have since then reported this company to them and the threats they have made against me legally.
I advise you to check out:
Has the statute of limitations for your state http://www.fair-debt-collection.com/SOL-by-State.html expired on your debt? If expired, don't pay.
Collectors generally have to be licensed by your state to practise (collect debt) in your state and you can find out by calling your state Attorney Generals Office. Ask if a license is required and does this collector have one. If not licensed, don't pay and file a complaint with your state AG.
Read useful debt-collection FAQs from the FTC here http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
The debt collection process explained in plain English http://www.consumeraffairs.com/debt/fdcpa.html
Be aware that scammers are using bought/hacked/phished loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
The FBI warns again http://www.fbi.gov/news/pressrel/press-releas ... nt-payday-loans