If you check Bud Hibbs Site http://www.budhibbs.com/ I think there is a mention of the Providian thing. What happens is that companies buy the junk debt and then try to collect on it. They are real lowbrow bottom feeders. Another company that pulls this goes by Goive Law Firms. If you wish to give these guys a taste of their own medicine get a phone card and call them. Also you can give always give them the number of your attorney, your state attorney general. Don't tell them that of course. lol Once you know the true nature of these scum bags if you are careful you can play them a little and though it accomplishes nothing it sure makes one feel good. You can also report them to their local police station and even get them a visit to the address if you report that you believe something suspicious is going on in the office building across the street...You wouldn't be lying, there is something suspicious going on, be creative they are. lmbo They make people's lives hell through their lies and have probably been the indirect cause of suicides over debt that is not legally collectable.
Now, I spoke with my relative and he says the gal said the name of the law offices and she told him... GOV... amking it sound like the GOV as in GOVERNMENT. Which made him even more skeptical of the call.
Now, what has got him really ANGRY, is that he never owned more than a couple of hundred bucks to that Providian outfit... and paid it and closed the account LONG ago. NOW, who has the records and how are they able to call him to try to collect money NOT owed.
This is not just shoddy collection work, THIS is FRAUD!!