"I'm going to sue you. Send me the checks. Now!"
They are horrible. Go to www.budhibbs.com and tell him your story. He is collecting information on Shekinah. They will threaten but they will not file a lawsuit because unless you are the joint account holder you can't be held liable. I would bet the account is also unsecured credit and is beyond "legal" collections. The account they have been trying to collect on from me was closed over 7 years ago and is no longer on my credit reports. These types of agencies are about threats; they don't want to waste money paying a lawyer filing suits even if they could legally file suits to collect the junk debt they buy which they can't. They are in business because they are still making money scaring people and the government hasn't shut them down yet. I'm going to start calling them regularly and play with them a little. lol Good luck Lady, just remember these guys are all talk, don't let them scare you, if they were really serious they wouldn't be bothering you with calls they'd get a real court date and get a real judgement.
"I'm going to sue you. Send me the checks. Now!"