Product: Debt collection

I have never had an account with XXXX XXXX XXXX. I received postal mail from XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX/Attorney for Express Recovery Services , Inc . The mail falsely claimed {$130.00} balance for debt collection. They posted a contact person 's name - XXXX : XXXX on the letter, whose full name and credential are not even identified in order to chase people around for making up debts by misusing people 's identification. 

Please read the review as follows for XXXX XXXX XXXX Attorney for Express Recovery Services, inc :  XXXX " Express Recovery Services Express Recovery Services Contacts & Information Posted : XXXX XXXX XXXX violating the law Complaint Rating : 100 % with 1 votes Contact information : Express Recovery Services United States Express Recovery Services, Inc, a collection agency, went after my daughter-in-law ( XXXX ) for a debt she did not owe. They went after her for a debt owed solely by her husband to his doctor. XXXX had never been a patient of this doctor. XXXX called the doctors office and they said they did NOT send her name to the collection agency ; that they sent her husbands name but definitely not hers. She called me very upset as her credit was being affected. In Utah, it is against the law to go after an individual for a personal debt owed by their spouse. Utah Code Ann. 30-2-5 ( 1 ), provides that neither spouse is responsible for the personal debts, liabilities and obligations of the other. I contacted Express Recovery Services and had the misfortune of talking to a rude bully. When I tried to explain that what they were doing was against the law, he interrupted and said they were very aware of that law. Having a conversation with this individual was not in the cards as he talked over me in a very loud arrogant voice and I quickly realized I was wasting my time. I called him a _______ bully and hung up. 

XXXX then wrote a letter to Express Recovery Services and sent a copy to the Utah Consumer Protection Agency. She was contacted by the Consumer Protection Agency and advised to file a complaint with the Federal Trade Commission. She asked if I could do that for her as she has her hands full with XXXX small children and I was the one who actually talked with the collection agency. 

Since Express Recovery Services admitted they know the law, it is clear they are knowingly breaking the law in the way they conduct their business, going after people, threatening them, harming their credit, for a debt Express Recovery Services knows the individual does not owe. It is baffling to me how companies get away with knowingly conducting their business in an illegal manner. '' XXXX : XXXX ================================================================ " XXXX XXXX XXXX It 's something most people dread : a call from the bill collector. 

Federal regulators say they are getting tired of complaints about debt collectors. Thousands of people say they 're being harassed for money they do n't owe. Many others complain of aggressive tactics that can include abusive language. 

Even if you 've fallen behind on payments, debt collection agencies must follow laws and rules, and you do have rights, as Utah resident XXXX XXXX discovered. 

He said he was surprised by a notice he got from a debt collection agency out of Florida saying he owed them {$120.00}. But a bigger surprise came a little later, when he called the agency to find out what it was about. 

Thats all he said it was, insurance. I asked him what kind of insurance and he didnt tell me, XXXX said. 

He said he wasnt about to pay someone {$120.00} without more details. 

I asked him a few questions and he got riled, started literally screaming over me, over the phone, he said. 

XXXX said the man 's screaming got louder as he threatened to send attorneys after him. XXXX hung up the phone when he could n't get a word in between the yells and threats. Now, XXXX wonders if he was dealing with a scammer. 

A legitimate, professional company, they certainly wouldnt act that way, he said. 

At least they shouldnt. But that 's exactly who XXXX was dealing with : a legitimate debt collection agency. 

XXXX contacted a professional debt collector to find out what they can and can not say to people who owe them money. 

You need to help the consumer, said XXXX XXXX, general manager of Express Recovery Services in XXXX XXXX XXXX. Youre not going to get anything resolved if you dont help the consumer. 

XXXX XXXX XXXX XXXX & XXXX