Cascade Receivable Management LLC, is trying to collect money for products that I did not ordered/ did not received. Their client, Guthy-Renker LLC, said they don't have any records of any unpaid debt, any account past due from me. However, CRM, LLC claims I owed $67.84 and are threating to send me to the credit bureau and report this against my credit if I don't settle my "outstanding" debt, for a product named "PROACTIVE", which I have never used/ordered/received because I don't have acne!
They said they understand that I did not ordered/received the product but to "protect" my credit score I should pay them a special settlement offer of $40.70, this is a SCAM!! I am being robbed, blackmailed by this "collection agency" in order to protect my credit.
What can I do? Where can I get help? Do I need to hire a lawyer?

I was reviewing my credit report and I came across a new account with Cascade Receivables Management that has now been transferred to a collection agency ATG that was apparently opened on April 30,2015 with a high balance of $100 and shows that I owe $99. I have never done any business nor seeked out this company and infact had to google the company. I do not owe this company and I sure did not authorize any credit from them!!!!!!!!!

I received a collection letter from Oxford Law, LLC, for their client Cascade Receivables Management, LLC. This law firm is demanding that I pay the balance of the listed 'debt' in full because "I've had ample time to pay"... This was the first contact from either Cascade Receivables Management, LLC, or Oxford Law, LLC, as illustrated by the 30-day validation notice on the letter that is required on the initial collection letter, per the FDCPA. The 'debt' listed as, originally, a Bank Of America account (type of account not stated), along with the original BOA account number...I've never had an account with BOA, A fact I verified by simply using the 'BOA Account Number" provided.

The FDCPA is interpreted using the 'least sophisticated consumer' standard of reasoning, when it comes to what is considered a violation of the FDCPA. The letter I received, on the law firms letterhead, demanding payment in full, looks, to the unsophisticated consumer, like (A) the debt is valid, and (B) the agency listed has a legal right to demand payment from them, and (C) they are about to be sued if they don't pay up! Devious ploy to bilk an unsuspecting person to pay a debt they may not actually owe? You decide...