Hi all- I got served today. I had been on this site before and followed Linda7 advice- sent a letter:
"I dispute this alleged account.
As per the FDCPA, I have the right to request proper validation of the alleged debt.
I elect private contractual arbitration via JAMS to resolve any disputes between us.
All phone calls are inconvenient, so all communications need to be by mail."
I did get a letter from their fraud department a bout a month later asking why I disputed. I didn't respond to that.I also got a package with some statements , cancelled checks stuff liek that, whic