Your question raises a great many issues regarding the practices of debt collectors. I have a blog dedicated to providing information to Marylanders who are targeted by debt collectors. I invite you to check it out: www.marylanddebtdefense.com. I hope you find it helpful in answering some of your questions. If you have further questions, or if you think you may want to retain a lawyer to assist you, I hope you will contact me. I'd be pleased to provide a free consultation. My email is firstname.lastname@example.org.