You are probably being contacted by this group in Florida, this sounds familiar. You are correct that this is tough to deal with. My suggestion is that you write to the Washington State AG's office for Consumer Protection (you can fill out a complaint on line) and to the new Consumer Financial Protection Bureau, and to the Florida Attorney general as well. If enough people complain, they may well shut this place down.
When they call you, ask for a mailing address where you can mail them. If they hang up on you, they are bogus. If you get a mailing address, give that to the authorities.
Hope this helps. Elizabeth Powell
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Did you lose the accounts being used to autopay the loans, and thus the loans are not getting paid ? That would be a reason for them to come after you. Are the debts paid off ? Are you still paying them off ?
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Ms. Powell's suggestions are good. I would also file a complaint with the Federal Trade Commission. Go to www.ftc.gov. You probably should also consult with an attorney about whether they are violating the Fair Debt Collection Practices Act. Good luck.
For anyone else considering dealing with such organizations, you should take this as a warning. It is almost never a good idea to do business with such organizations. Check them out thoroughly before you do.
I absolutely agree with Ms. Powell and note that several of the tactics employed by the callers are specifically listed in the fair debt collection practices act as prohibited methods of collection. There are also likely violations of the Telephone Collection Practices Act. I ave seen some big awards come from cases under TCPA. The FDCPA awards are small, but the statute does provide attorney's fees if you win. Some lawyers do accept this kind of work.
Switch to your cell and put a fax machine on the line you have been answering.