Hello. I urge you to confer privately with an attorney at this time. The attorney will advise you as to your rights, and provide legal advice as to what would be wise and prudent for you to do. The attorney will examine whether the collection agency is acting in a law abiding manner in all regards. If there are violations of law, you may be able to pursue remedies for damages and penalities, and reimbursement of attorney fees.  You may phone my law firm on Saturdays and Sundays, as well as weekdays. This website provides general information and general principles of law and does not provide private legal advice. Some attorneys are available seven days for emergency legal needs. Many attorneys will confer initially at no charge. Then, if legal work is performed, some attorneys will provide a reduced fee for financial hardship. Some attorneys may also assist you in limited scope manner to conserve legal costs. All the best.Tricia Dwyer, Esq.Phone: 612-296-9666DWYER.TRICIA@GMAIL.COMHTTP://DWYERLAWFIRM.NETDEBTOR CREDITOR LAWDEBTORS' RIGHTS LAWCIVIL LAW