I'd be careful if I were you - unless the debt is more than 6 years old - because almost all of your assumptions are wrong. Well, except for the part about collection agents being miserable lowlifes.

oh I forgot friends of crs read these..... Yes my debt is over 6 years old now..
There is nothing they can do to me ...... The threats are invalid- don't even own a home, yet messages say are going to put a lien on.

No one is going to place a Form 20D writ on your property for $2500.

Er.... well, almost no one...... I forgot about Natale Law Offices.

Short answer, NO THEY CAN'T, at least not until they get a judgement against you. They would have to sue you and for $2,500 it would be in Small Claims Court.

If you haven't done so already, request a Consumer Disclosure Report from both Equifax and TransUnion. You can download their respective Request Forms from their websites, complete the form and mail them. Your total cost is a postage stamp. You should receive these Reports within 3-4 weeks. Revue each Report carefully and see if any collections are reported.

Report back on this website if you have any questions or concerns. In the meantime, don''t bother to talk to Contact Resources until you receive these reports. Also, don;t send any money until you know where you stand.

The the day Contact resources called and threatened they will place a lien on my house. can they do that?
The debt they bought is $2500 i paid $400 but they had wanted me to pay it all off in a space of 3 weeks in November. (unrealistic).
Can anyone help on how i should deal with them. They wont accept a payment plan.. do i just send them the money that i can afford?