in 2005 i bough a ford focus but i return the vehicle because it was defective the car could not start the tow truck came and pick it up i did not get it back 6 years later i was contacted a debit collector Rubin & Rothman they call me several time on the phone and send letter in the mail i keep telling them i do't have a contract and i do n't owe any money i have a XXXX balance i have contact ford XXXX and the account is close but Rubin & Rothman keep calling and sending letter in mail they take away both of my account saving and checking value {$6000.00} that 's more than the car cost 
