They have to be able to prove the debt. If their own client says nothing owing....next time they call ask for proof of debt and then do nothing till they provide it. Do not agree to any debt in writing and do not make any payment towards it till they have sent you proof.

My daughter recieved a bill from NCO Financial saying she owed Paypal almost 500.00. She is deaf and has a hard time contacting and dealing with these people and said she does have a Palpal account but never used it. So I call NCO to try and get it resolved. After about two hours and four different puone numbers Italked to a real person and was told that it has to be payed no if ands or buts, ok I phone Paypal to see where the money went and they said yes she has had an acc. since 2005 and never used it nothing and maybe she is being scamed and to talk to a lawyer that would cast more than the debt. So not sure what to do.