The Collection Agencies keep calling me. What should I do?
Collection agencies typically have old accounts that have been charged-off and sold from the original creditor. They typically don’t have any proof the debt is yours. If they try to sue you, then seek legal council, but remember to ask to see an original signed contract with your original signature on it. Make them prove it’s your debt and never admit guilt. Ask them to prove it. For more educational purposes watch this video: https://www.youtube.com/watch?v=5d_wKVELhK8
And remember paying a debt collector typically will not help your credit score unless you negotiate they remove the account from your credit report before you pay them. However, the video above explains reasons not to pay.