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Message: <blockquote data-quote="mokedaddy" data-source="post: 4303011" data-attributes="member: 560466">The worst thing they can do is file a judgment and that is only if they actually are a local law office and you have admitted to the debt.  I actually had this happen to me years ago.I also had a collector try and bully me for almost 4 grand on a card with a 300 limit.  I disputed the charges in writing, asked for itemized charges and bills and never heard from them again.  Checked my credit 6 months later and it was all gone.  This was after I paid my judgments which I am sure is how they got my information in the first place.</blockquote>

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