I had to deal with these scumbags. I complained to the FTC, BBB, NJ AG and my state AG. Everything eventually fell off my reports but the NJ AG sent me some papers to fill out as they are currently investigating this company. Get out there and file complaints about the debt isn't yours, they didn't DV respond and it would be out of the SOL. You will win, just remember to show up in court or they will get a summary judgement against you!