They are debt collectors.
According to their website: "The National Attorney Network (NAN®), created by and a division of TSYS Debt Management (TDM), is the nation's largest legal collections network, serving retailers, banks, finance companies and debt buyers. NAN facilitates and manages the placement of legal collection cases at the account level from the creditor to the collection law firm, enabling clients to manage large volumes of legal accounts with fewer employees and minimal costs. NANdirect, one of NAN's many services, provides secure electronic placement, recalls, on-line audit capability and robust reporting."
Frank W. Chen is licensed to practice law in the State of California. The information presented here is general in nature and is not intended, nor should be construed, as legal advice. This posting does not create any attorney-client relationship with the author. For specific advice about your particular situation, consult your own attorney.
They are debt collectors
This answer is intended to provide general information only. It does not create an attorney client relationship nor should it be construed as legal advice or an opinion on specific situations. Donald A. Green is only licensed to practice law in California and Oregon.
Typically, whoever takes over collections of an account will send a letter to the last known address of the borrower in which they will state they have taken over the duties of collecting for a particular debt, for which client (creditor), how much is claimed to be owed, and state their contact information: phone numbers, address, a reference #. Under Fair Debt Collection Act, the collection agency must mail you this letter within a few days of any telephone contact with you.