I get calls from this number claiming they are looking for my daughter regarding a bad check. My daughter is easily found and has no knowledge of this inquiry. I have never been at any time on any of her bank or credit information, nor has she used my number when applying for anything.

ABOUT  TWO  WEEKS  NOW  PETERSON  AND  SCWARTZ   HAVE  BEEN   FILLING  UP
MY TELEPHONE   ANSWER  SERVICE,  SAYING  TO  CALL  1-855-868-2149  OR  1-877-614-5054
  THEY  HAVE  THE  WRONG  NUMBER.  BUT  WHEN  I   PICK  UP  TO  TELL  THEM  THAT
THEY  KEEP  PLAYING  THE  TAPE   CALL  THEM.   855   NUMBER   IS   OVER   SEAS
 OUT  THE   COUNTY.

Scammers. Don't be intimidated. Educate yourself. Read about what they can and cannot do. Beware. They say they are a law firm, and they threaten. Two things collectors must not do. Check FTC § 807.  False or misleading representations  [15 USC 1692e] http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm#806

This is an excerpt from the ftc Web site.

"A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

(2) The false representation of --

(A) the character, amount, or legal status of any debt; or

(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to --

(A) lose any claim or defense to payment of the debt; or

(B) become subject to any practice prohibited by this title.

(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.

(13) The false representation or implication that documents are legal process.

(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization.

(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f) of this Act."

Continued on Peterson & Schwartz-correction. Although the name of the company appears bogus. The spelling sounds like "Peterson & Schwartz."  The caller claimed she was from a law firm but she is most likely a collector.

This is straight from the FTC Web site. You can get more information on what collectors may and may not do here: http://ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
Here is the information. A warning to them and all collectors out there, straight from the FTC Web site (http://ftc.gov):

"False statements.

Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

  falsely claim that they are attorneys or government representatives;
  falsely claim that you have committed a crime;"

Continued on Peterson & Scwartz.  The caller claimed she was from a law firm but she is most likely a collector.

This is straight from the FTC Web site. You can get more information on what collectors may and may not do here: http://ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
Here is the information. A warning to them and all collectors out there, straight from the FTC Web site (http://ftc.gov):

"False statements.

Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

   falsely claim that they are attorneys or government representatives;
   falsely claim that you have committed a crime;"

I received a threatening phone call from a woman. The company she claimed to work for was Peterson Schwartz. There appears to be no such company. She tried hard to make herself sounds legitimate. She is probably a debt collector. They got the wrong number. They are harassing people. Make them stop!