I opened an account with Bank of America in August 2004 and had an excellent pay record until July 2007 when I filed a fraud/dispute claim with Bank of America regarding invalid credit card charges on my account. BOA never responded to my disputes about this balance and they charged off my account in November 2007. Frederick J. Hanna & Associates purchased this debt in May 2008, as part of a bulk list, and the first correspondence I received from Frederick J. Hanna regarding this debt was when a deputy Sheriff served a summons for judgment. Within two days I requested validation of this debt, via certified mail, and continued to do so on three different occasions. As of today, the debt has still never been validated. I was told by a person who was supposedly "an attorney" for Frederick Hanna (he would not give me his name) that I MUST make payments while the debt was being investigated or otherwise they would immediately garnish up to 28% of my income. I began making payments of $50 per month, and continued for six consecutive months while they were supposedly "investigating and validating the debt". The debt was never validated and the next response I received from them was a letter stating they could no longer accept payments and I had to pay the total balance of almost $15, 000 within thirty days. I immediately called and spoke with Mary Hollis and she told me I had to pay the total or they would seize my accounts and assets in order to settle the debt. I brought to her attention that this account was NOT valid and the debt was NOT mine and was a result of fraudulent charges on my Bank of America credit card which was charged off in November 2007. She said "validation was irrelevant and my only means of resolving this was to pay it in full". A garnishment was entered against me and my bank account was seized. I filed a traverse and the garnishment was dismissed in Dekalb County, Georgia, but the following week my account was garnished again by Frederick Hanna & Associates. Still, to this date, the debt has never been validated and collector refuses to discuss account with me, they just hang up on me; my written requests never receive a response. Prior to this issue I had EXCELLENT credit, not even a late payment on my credit report, but now this judgment/public record is severely damaging my credit score and making it impossible to purchase a home, vehicle, or anything else I should need, as well as obtaining employment. I would gladly pay this debt if it were legitimate, but this is not a valid debt, yet this third party debt collector is ruining my life, damaging my reputation and credibility, and I have found no avenue to resolve. Frederick Hanna & Associates claim that I entered a consent judgment with them, but I have no recollection of any such agreement with them. The only thing I agreed to, via letter (not consent judgment) was to make $50 per month payments while they investigated and resolved my dispute to this debt. This collection agency continues to apply interest and legal fees to this invalid account and pursue me for this debt that we have no agreement/contract for. It is devastating to have my excellent credit history, which I have worked so hard to build, destroyed by a junk debt collector who knows they are wrong and knows the debt is not legitimate, yet they are so money hungry that they stop at nothing to collect this debt from someone they think will pay it to keep from being ruined.