I had a CC charge off for approx. $4,000 back in 1999. I have been paying the CC internal collection Depart all this time. They recently sent my accoun to an attorneys office for collection activity since they were not happy with my small monthly payments. Get this, the attorney office collector called last week and keeps hanginf up on me after she yells at me, because I very calmly tell her that many of the collection tactics she is taking have violated the FDCPA. For example, although she claims that her office sent me a debt notice, I have not received one. The only notice that I received was her initial telephone call, which she did not tell me that this was an attempt to collect a debt and that all info can be used for that purpose. ALso, even after I gave her a correct address and a phone number she can reach me at, she called another number of my family and left a message on the recorder that certainly gave indicated that this was a debt collector. Also, when my sister called back the number on the message to let them know the correct number, they told my sister, a third party, that I owed a debt! ALso, the collector who calls here raises her voice and states innapropriate things, and would not tell me her mailing address, she just says, find it yourself and she hangs up. This would be considered to be lack of providing appropriate representation information in my opinion as well as being harassing and annoying. The collector called back today and I remained calm and told her of her violations of the FDCPA, and she raised her voice and told me "You cant dictate to me" and hung up. I did manage to get her adress from the receptionist and I am going to send her a validation letter as well as describe her violations of the FDCPA. Just wanted to pass this on to you guys. Just FYI, the collector said many false things to me, such as they were not a collection agency but an attorney's office, also she said that my account was sent to 2 other collection agencies and finally it reacher her...this is false because i have a consistent payment record with the CC's company internal collector. ANy observations?