I woudn't trust anything anyone says on the phone or wait on someone to call me back. FTC FDCPA laws apply here & even DC has to behave w/in them, if DC is using a collection agency.
Pros: Just ask for the info you want - when they don't have it, write FTC, credit reporting agency, DC Treasury that they are not giving you a chance to validate the debt. It will come off your report.
Cons: They are really aggressive. You guys w/ 3 or 4 collection accounts should write credit reporting agency as 3 accounts is an unconscionable means to collect a debt.
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