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There is a very strong likelihood that this is a scam, and it is certainly illegal harassment by creditors. This is a violation of the Fair Debt Collection Practices Act. You will not be arrested if you do not pay $200 by Thursday, and they were just trying to frighten your husband by reading him his rights. Do not engage further in their fraudulent scare tactics.
First, file a complaint with the FTC. Click here for more information.Next, file a complaint with your Attorney General about the collection agency. Click here for more information.Finally, click here for information on how to respond to illegal harassment by creditors (cease and desist letters and scripts for phone responses).
Click here and here to learn about illegal harassment by creditors.
Do not engage with the unscrupulous creditors further.
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If this is money that you do owe, they are still harassing you by illegal means. All collection agencies must abide by the Fair Debt Collection Practices Act. Please review the links which I provided in my previous post. Notify them that you are aware of your legal rights, and that they have been reported to the appropriate agencies. If you indeed owe the amount, they may initiate a lawsuit. As such, you would still have the opportunity to respond to the suit and challenge its validity. At this point, you would need to contact an attorney to ensure that your best interests are protected.
The following posts were submitted by two consumers like you:
" This same company also calls themselves Affidavit Processing, they called me today, but when you call them back, they do not answer. I was also threatened by these people, and they demanded that I pay them $590, immediatly, or they would have me arrested. They tried to get me to pay via paypal or with a debit card. I refused to give the information, and they proceeded to get very rude and began cussing me. I tried to look them up online, but have had no results. they also gave me a website, but it turns up with no results. Here's what they gave me: affidavitprocess.com If anyone knows anymore about this "company" please let me know. thanks. "
"Once again, i was contacted by this company(affidavit processing)today. I took the advice from many of you, and asked for them to verify the debt that they were attempting to collect, i was told that after i make a payment, then they would send me written verification. I then informed this "BXXXXX XXXXX" that I had contacted a lawyer, the FTC, and the BBB of Texas and Florida and no one has heard anything but complaints about them. I then proceeded to ask if he was in connection with prelitigations and he became silent for a long moment, and finally responded by saying that he was going to personally come to my house and get the money, then he began to call me a...."
Click here to read these stories as well as stories from others like you.
Again, this is a scam.
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