The legal dept of First Integral Recovery, Houston TX.. This is miss XXXX, You got a claim here on my desk that needs your immediate attention. #xxxxx I need you to call me back at ### #### Do not chose to ignore this Mr XXXX That would be a big mistake I assure you.. On a voicemail??? C'mon! It's the first time I've been contacted by these people and they aren't on my CR from any of the big 3.. Do I address the verification letter directly to this person or can anyone sign for it? After being here a while I refuse to get any info over the phone from CAs except address and I'm not calling them back!
Personally, I'd call them back. I'd let them know they got the right phone number, make sure they have my correct mailing address, ask a general "what is this all about?" kind of question. And of course, I'd do it with the recorder running. It sounds like they are just itching to violate your rights, so I'd give them the opportunity. That phone call becomes your "initial contact," and they have five days to notify you in writing of your rights under the FDCPA. I'd bet five bucks they don't do it.
I smell a CA who just can't wait to lose an FDCPA suit. Keep the recorder running and the letters CMRRR. Wait five days before you contact them to give them a chance to violate again. Then call them and get all their information while not giving them any of yours. (where's that recording from Bill Bauer? That's a classic!)
Kooky, but not uncommon. They really believe you won't really sue. Do you take the "big mistake I assure you" thing as a physical threat or just a threat to litigate? I think it borders on being a physical threat. In either case, I don't understand how it doesn't violate the FDCPA.
