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Original Comment

Jaycee - 06-16-2014

There is no need to call the FBI, nor is this a scam. However, you DO NOT need to work with Longview Acquisitions.

First of all, DO NOT give them any bank, credit card, employment, or additional information about you!

The key is to sound like you are certainly willing to work with them to resolve this issue, so be polite and not combative.

When you do talk to them, you simply do THREE things:

1. Ask for them to mail you a Statement or Written Notice with details about the debt. (What the amount is, who the original creditor is, etc.) Make sure that Longview Acquisitions address will be on that notice or statement. Also ask for the first and last name or at least last initial of who you are speaking to.

2. Let them know that you want to validate the debt FIRST before you provide any additional information or details. Again, be polite during this, and certainly sound like you have the intent to work with them *after* you receive the information.

3. After you receive the information, you need to mail them (notifying them in writing) a Cease and Desist letter stating that you prefer to work with the original creditor regarding this matter.

You can find plenty of sites that have free templates of a Cease and Desist letter. It is also helpful to learn a little more about your rights under the Fair Debt Collection Practices Act, which you will find at:

http://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text#805

Whether it is a legitimate debt or erroneous, just follow these steps and then contact the original creditor to work with them to resolve the issue.

Good luck!

Caller: Patricia Hunt
Company: Longview acquisitions