These are bottom feeders of the worst kind. They buy old junk debt that is way way way outside the legal limit to collect on and then try and get people to make a payment thus restarting the clock. DO not pay them a dime. Make them verify everything, you will see they can't. I will have to admit it is fun to torment them with the law. Like when they ask how you want to take care of the debt tell them it's taken care of. You will just ignore them and they will go away. If however they try and taking you to court make sure you show up and demand proof of the debt, starting with a signed contract. You will win and then you can collect in a counter suit from them.
Pros: Stupid agents
Cons: Fraudulent operation
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