Law Offices of Ferris & Selby Calling? My Experience & a Question

[peterjohnson259085]

So, I started getting calls from the Law Offices of Ferris & Selby a few weeks ago. At first, I ignored them because I didn't recognize the number, but they kept calling. When I finally answered, the person on the other end was pretty aggressive, talking about a debt I wasn't even sure I owed and making it sound like I could face serious legal consequences if I didn't pay up immediately.

It felt really intimidating, and honestly, I was scared for a bit. They mentioned things like wage garnishment and legal action, which made me think I was in deep trouble. I almost paid just to make the calls stop.

I did some digging online and found this helpful guide that explained my rights under the Fair Debt Collection Practices Act. It said debt collectors can't make threats they can't legally carry out, and I have the right to ask for a debt validation letter to verify the amount they claim I owe. I'm starting to think these calls might be a tactic to pressure me into paying something I don't actually owe or that has inflated fees added on.

My main question for anyone who has dealt with this firm: Have any of you received similar calls from the Law Offices of Ferris & Selby? How did you handle it? Did you request a debt validation letter, and did they actually provide it? I'm trying to figure out the best way to respond without getting bullied into a wrong move.