They have called 3 time today in the last 2 hours Its getting to be a pain in my rear... Maybe its rain maker but they usually leave a messege. I don't answer calls I don't know since I only have a cell phone and my minutes are not something I can afford to lose to the wrong calls since I am still looking for work.

They are a third party collection agency:

Rainmaker Collections
15920 12 Mile Rd.
Suite 204
Southfield, MI 48076

Phone: (248) 440-0481
Fax: (248)440-0486
Toll Free: (888) 216-4904
http://rainmakercollections.com/profile.aspx

Per the FDCPA (Fair Debt Collection Practices Act), they must first validate the debt before they can collect anything. That is the law!

Send them this letter VIA certified mail (with return receipt requested) demanding validation. Per the FDCPA they have five days to respond. Keep copies of everything you send:

Today's Date

Your Name
Your Address

Rainmaker Collections
15920 12 Mile Rd.
Suite 204
Southfield, MI 48076

VIA CERTIFIED MAIL

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:

(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable);
(4) Proof that you are licensed to collect debts in (insert name of your state).

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

Because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense.

You cannot add interest or fees except those allowed by the original contract or state law.

You do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA.

Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Signature here
Your Printed Name

http://www.fair-debt-collection.com/Disputing ... ute-letter.html

For more on your consumer rights under the FDCPA, go to:

http://www.fair-debt-collection.com/index.html

They are a third party collection agency:

Rainmaker Collections
15920 12 Mile Rd.
Suite 204
Southfield, MI 48076

Phone: (248) 440-0481
Fax: (248)440-0486
Toll Free: (888) 216-4904
http://rainmakercollections.com/profile.aspx

Per the FDCPA (Fair Debt Collection Practices Act), they must first validate the debt before they can collect anything. That is the law!

Send them this letter VIA certified mail (with return receipt requested) demanding validation. Per the FDCPA they have five days to respond. Keep copies of everything you send:

Today's Date

Your Name
Your Address

Rainmaker Collections
15920 12 Mile Rd.
Suite 204
Southfield, MI 48076

VIA CERTIFIED MAIL

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:

(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable);
(4) Proof that you are licensed to collect debts in (insert name of your state).

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

Because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense.

You cannot add interest or fees except those allowed by the original contract or state law.

You do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA.

Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Signature here
Your Printed Name

http://www.fair-debt-collection.com/Disputing ... ute-letter.html

For more on your consumer rights under the FDCPA, go to:

http://www.fair-debt-collection.com/index.html

These people have been calling me for MONTHS!  They said they were calling about money I owed BioTech Labs, but when I asked them what the bill was for (because I'd already paid a $20 co-pay to a lab -- not sure if it was BioTech) they said they couldn't tell me!  WHAT???  Can't tell me???  And those initial calls were for ONE BILL, and now they're calling again (after not calling me for at least 2 months) and leaving messages saying I have THREE (3) accounts with BioTech!!!  WTH???  Funny, since I haven't had any lab work done since the first call!  And I've tried calling this number to get to "Fred" find out what this is all about, and I get "Fred's" voice saying "they" are out of the office and will return December 27th -- which was over a week and a half ago!!!  They say they are "Rainmaker Collection Agency" but I couldn't find out anything about them, so put in their phone number, which is how I found this site.  WHO ARE THESE PEOPLE???

Called 3 times in the last 30 minutes. I don't know who this is and I won't answer because I don't know the number. No messages left yet.

I had a urinalysis done at a medical center and I didnt have insurance. So they had me pay $95.00 out of pocket.  Later I got bills in the mail saying that I owe the Lab money for the urinalysis. I ignored it, becuase I already paid it.  Now I am getting phone calls from Rainmaker. I dont answer the calls.

call was from a medical bill collector, I owed .55 for some phone call from a hospital, told them to shove it up there a***.