I had 6 charges for $29.99 on an ADP Visa Debit card from this Portugal Company. I have no idea who they are. The charges all took place in January and after contacting my VISA company found out they were reversed. Now I am getting a collection letter from some Credit Collector in Sylvania Ohio stating I owe them $148.46. This company needs to be stopped.

http://www.creditinfocenter.com/rebuild/debt_validation.shtml

^^^^^^ SAVE THAT SITE AND REFER TO OFTEN FOR USE WITH CRB... dont refer to it as in tell them about it...but read through it carefully and see what you can use against crb... especially the validation part. Before you request validation however, request verifcation either verbally or through writing. I would immediately ask that you no longer be contacted through the phone or in writing unless you request so. Then when they give you the letter giving you the original 30 day time period, request verification through UPS Priority mail, not US registered Mail (registered not as reliable as UPS priority mail), and keep receipt that you get emailed that they received your letters (use sample letters on the website I gave you and just fill in the info that will make it work for CRB and yourself. They will probably forget to reply or lose the letter hence invalidating the debt, say they've already reported it and invalidate it again, send you either verification and claim that its a validation as you requested, either way, if they don't provide the mailing address of the original creditor aka the company they say you owe money to then they have invalidated the debt, call and ask about the letter and if whoever you've been dealing with and addressed it to says they don't have it or that their manager keeps all letters then they have tampered with mail because the letter was addressed to them and it was supposed to be signed by them (they may ask you fax a copy because they never got it...tell them you will not do so because you have the receipt that they did get it and its not your problem they lost it...also this could mean that you were trying to send payment with a check, debit card, or credit card info in the envelope and they have lost sensitive info as well as they are supposed to keep every letter sent to them especially those coming from debtors such as yourselves for documentation and compliance purposes and if they don't have it and they signed for it then they have invalidated the debt, just keep reading through this site and also read through the fdcpa site (the link is available on site I provided) and read through any other relevant links for debt collection. Keep contacting them through legitimate letters signed by you and keep scanned copies after you sign with a date on top, keep a saved copy of letter, keep a copy machine version of letter, and send the original signed by you letter to CRB, also use UPS and request signed receipt when they receive it and if they contact you again after you know they have received this letter or after you requested no contact then they have violated the law and ruined the whole collection...then constantly call and ask for more info and ask about receiving things you've requested also pick apart what they have sent you and ask about parts of the law and if they have met these terms of law and ask where you can find on their letters and such how they fulfilled these terms...then use words like fdcpa, lawsuit, suit, attorney, summons, affidavit...keep at it and keep documenting everythign they do...they are not smart, they will screw up and when they do make note of it...after you have a good amount of these screw ups or as many as you can get...call them and ask about where your attorney can send a cease and desist letter or where he can send his summons for a civil suit to and list all the legal mistakes they made so they can see youre being honest (be sure to be as respectful as possible through all this so as to keep your cool and let them get mad, let them make the mistakes, this also shows intelligence and that you are serious)...Most likely they will back down and close the account as they did with me...took me about 30-60 days to do this but I have gotten them scared and they have backed down from a $549.00 from Lalib Co...they are really dumb folks... Toni Owens at one point tried to tell me it was too late for my attorney because she had already reported it (although this was only 20 days about since I received first letter) I told her she was lying I had checked my credit reports in past 24 hours and there were no negatives on any of the bureaus and she says to me, "Did you check all four?" LMFAO Toni you con artist, there are only 3 credit bureaus you idiot...thats harassment right there, illegal!!! ANyway do this and your good!