These fools are a real piece of work. I stopped taking their calls, so they started harassing my mother, whom I haven't lived with in over 12 years. They told her they knew I didn't live there, but they were calling for her to pass a message on to me. She asked them to stop calling and THEY REFUSED. This is pretty upsetting, that they are calling a 3rd party, discussing another person's private business in detail, then straight-up refusing to stop their harassing, near-daily threatening phone calls despite knowing that they aren't calling the actual person they have a beef with, and being asked to stop. When she told me about this, I was pretty upset & I called them back.
They told me they were trying to collect some old debt of mine. The original company wrote it off, and apparently D&M Associates (who has no website?) purchased it from them. They threatened a lawsuit for "attempt to defraud a financial institution, " and judging from what I have read online, they threaten everyone with this. Coincidentally, it is a CRIME for a collection agency to threaten a lawsuit unless they are actually intend on bringing one.
They have some "tough sounding" workers that act like total jackasses on the phone, making ominous statements and open-ended threats. Don't fall for their game - it is a lot of big talk, but that is all it is. I came right out and told them that they were jerks (not exactly in those words) and that I will never give them a dime on account of them harassing my mother over something that she isn't even involved in.
These b*stards lie, make empty threats, harass and discuss private information with 3rd parties, and threaten lawsuits they have no intention of ever bringing. It is not illegal to be in debt, but the collection practices of D&M Associates ARE CRIMINAL, so never doubt that you are in the right, despite how legitimate the debt may be. Never give D&M Associates one red cent, these bottom-feeding scumbags don't deserve to be paid for their unethical, criminal business practices.