this agency is calling me about a kenneth Binns

Marshall and Ziolkowski is a notoriously crooked operation. Check out this out: http://www.budhibbs.com/debtcollectorpages/marshall_ziolkowski.htm

And check out these websites for advice on dealing with outlaw debt collectors and, in need be, suing them:

http://www.budhibbs.com/First.htm
http://www.naca.net/debt-collection-abuse/
http://www.fairdebtlawyers.com/
http://www.myfairdebt.com/
http://www.consumercounselgroup.com/
http://www.westonlegal.com/debtcollection.htm

This phone number belongs to Marshall & Ziolkowski Collection Agency