" if this is not ( my name ) please call us back at XXXX XXXX XXXX to have your phone number removed from this account and discontinue listening to this message. This is Credit Protection Association calling concerning an important business matter. Please call us back at XXXX XXXX XXXX, please refer to account reference # XXXX. This is an attempt by a debt collector to collect a debt and any information received will be used for such purposes. Again, our phone number is XXXX XXXX XXXX, thank you. '' I received a voicemail with this message earlier. I googled the phone numbers and found only that it appeared to be spam. I did find a " possible '' connected website during my search, XXXX, and I entered the account reference # from the voicemail and my zip code, but it said invalid numbers. I then tried calling the number they gave, and after several automated messages, I finally got through to a real person. I gave the person my name, after I entered my " account reference number '' and simply asked her to mail me my bill, if I indeed had XXXX. She asked for my mailing address to access my account, and I refused to give her my address. She said she could be talking to anyone and could n't give any information regarding the account ; I said I did n't need any information and to send the bill to the address that she had on file. She became rude and then hung up on me. 

I know they have my name and phone number, but if I indeed have a debt and they 're legitimately trying to collect it, they would have my address, and I assume they would be a bit more professional. 

All I want from this complaint is to find out if I actually owe money, and if this is indeed a scam, to perhaps shed some light on it for future persons affected. 
