最近总是收到866-310-9843的电话，是一个叫做LTD Financial Services地组织，在网上查到是一家位于德州的讨债公司（我住在加州），他们说的我不太懂（才来美国1年不到），似乎说我欠Bank Of American的钱，我在BOA是开过一张debit卡和saving cheaking帐户，但是从来没有用过，BOA也没有给我来过电话或者寄讨债的Email（一些宣传性的倒是有，比如说boa又有了什么新的服务），我在网上还查到一条信息。
The Law Office of Philip D. Stern is presently conducting an pre-lawsuit investigation concerning LTD Financial Services for its telephone messages, communications, and other practices that violate the federal Fair Debt Collection Practices Act ("FDCPA") and other state laws.
If you, or anyone you may know, have received a telephone message from LTD Financial Services we ask that you do the following:
(1) Save the recorded message(s) including the time/date the message(s) were received;
(2) Save any letter(s) that you receive; and
(3) Contact our law office via e-mail or telephone. Our contact information is as follows:
Philip D. Stern, Esq.
Law Office of Philip D. Stern
75 Main Street, Suite 101
Millburn, NJ 07041-1322
Telephone: (973) 379-7500
E-Mail: prelitigation@sbcglobal.net
想问一下这是骚扰电话呢，还是确实很重要。我的帐号可以透支么？可以的话是否会是别人用我的帐户透支呢？另外我把我的boa帐号（savingcheaking忘记了，debit卡不在我身边。不过密码我都记得）我能否用护照来检查我的帐号信息呢？如果不能我应该怎么做呢？ |
