I knew the girlfriend's was going to be from a CA. She opened it and confirmed it was from a CA then went to toss it in the trash. I got it, looked at it started laughing. "Dumb Ducks" well it rhymed with ducks anyway. For your ammusement is the letter: Business Revenue Systems, Inc PO Box 8986 Fort Wayne, Indiana 4698 My gf my address city, CO xxxxx Our Acc #...........: xxxxxxx Creditor..............: Creditor's name Amount..............: $538.00 Interest..............: $21.11 Amount Due Today: $559.11 ******IMPORTANT NOTICE****** Dear gf's name: Our Agency has been asked to collect your overdue account (s). Upon our next monthly reporting cycle, we will update national credit bureaus with the status of your account (s) If you want to prevent this update, please remit the balance in full to: BRS P O.... Fort ...... Toll free Please include your account number on your check or money order for proper crediting. Thank you for your attention on this matter. We accept Master Card, Visa and Discover credit cards. This is an attempt to collect a debt and any information obtained will be used for that purpose This communication is from a debt collection agency. **** Man these people are dumb. Not a clue at all. I needed a good laugh and they provided it. If the rest of their actions are like this my girlfriend will be able to pay off her car early No list of rights. No link to the website of the Colorado AGO, Collection Agency Board's website as required. Not licensed in the state of Colorado. I fired up a letter requesting validation, and also pointed out that their letter was in violation of one or more of the FDCPA, FCRA and the Colorado FDCPA, each with civil penalties of up to $1000. I told my girlfriend wait for the next letter, go through the motions then call PrePaid Legal and have them send a demand for whatever the total is, etc.