I'm having trouble with a junk debt collector. It's Calvary Portfolio. National Action Financial Services for a debt that was written off several years ago when I was ill. I contacted the original hoder of the debt and never got a verification that they went into contract with this group. They are asking for quite a bit more than the original debt. I have recieved only one written correpondence from these people which was threatening me. They keep calling my cell phone but I don't answer them. I looked these people on line and there is several complaints of fraud concering this group. I'm pretty sure they got my info by accessing my credit reports with out my permission. I don't know what to do to get these people to stop bothering me. I rather pay the original debtor, First Investors, than these scum bags.