Scott Duncan
Ok, NONE of the shit you people are spewing is true. Seriously. Time to shut up now.
TO REVIEW:
NO COLLECTION AGENCY DOES, and NOR CAN THEY DO, ANY OF THE FOLLOWING:
1: Report ANYTHING to a CREDIT REPORTING AGENCY - Anything they reported would be FRAUD, as there's NO FUCKING CONTRACT
2: FILE LEGAL CLAIMS - AGAIN, NO FUCKING CONTRACT. Did you receive a BENEFIT from them? Are they an INJURED PARTY?
Seriously. Stop making shit up. The REAL stuff is hard enough, with out having to clean up YOUR made-up shit!