My question involves collection proceedings in the State of: Minnesota
I defaulted on my credit cards in 2007 due to loss of career job. I attempted to make arrangements with some of the comp[anies to no avail; they all wanted more than I could offer.
Anyway all of these debts have changed hands many times with collection agencies. Today one left a message on my answering machine:
"Hi, this is Tony and I have some documents concerning you that I need you to verify. I will come out to your house tomorrow between 2 and 4 in the afternoon, be there and have identification." He left a toll free number and did not say which company he represents.
Okay, I highly doubt dude will show up but if he does what do I do? I have no idea who this is or what company he represents. Do these people actually come to your home for a collection visit? What are my rights? I know I will not show my ID to anyoneother than a law enforcer.