Financial Credit Service, Inc. Credit Card Complaint

Financial Credit Service, Inc. Credit card department,

Delinquent account Tennessee

I received a voice mail from " - '' with Asset Recovery Associates and was advised to call - regarding a complaint to be filed against me, complaint # -. I called back and spoke to a lady representing - and they are debt buyers of a debt in incurred in 1998 with - -. ( I do not recall such a debt and currently have an active - - that is not delinquent. ) Unfortunately I did not get the name of the lady to which I spoke. She did not provide the mini-Miranda during our conversation and kept claiming she was n't " personally '' attempting to collect the debt, only her employer was attempting to collect the debt. She stated a judgment was going to be filed against me in - -, TN ( where I currently reside ), however, after I questioned regarding the legality of the statute of limitations, she claimed she was just asking for a statement from me regarding the balance and denied a judgment would be filed. This business seems to be preying on the least sophisticated debtor with illegal collection tactics.