These people told me they have been contacting me for quite some time and that I am about to be sued by them for not paying on a credit card from 2007. None of their statements about me make any sense. I told them that I would like to clear up any delinquent accounts on my credit and would like to pay the balance but wanted to see something in writing and they refused. After I kept on trying to pursue something in writing they sent me some made up letter and sent it to my email. They have threatened me and my husband and my husband wasn't on the card, nor was I married to him when it was opened. They gave me an account number and said my debt stemmed from HSBC, when I called HSBC there were no such account ever in their records. The man who keeps calling has lied to me multiple multiple times, and will give me no info regarding what the charges were, what court would be suing me, why I would be sued or any other normal info that as a consumer I would receive. He also told me that if I tried to fight it I'd lose and I didn't have a leg to stand on. pretty unprofessional. Bottom line, I have every right to dispute this and they have given me no way to do that. I have recorded all of our conversations and will be contacting FTC and BBB and the police as well as a lawyer.