If you have been unfortunate enough to get a letter from Frederick J Hanna & Associates (sometimes they go by FJH, sometimes Frederick J Hanna and Associates), you should tread carefully. I have dealt with a lot of debt collectors in my life. But these folks take the cake.
Last month, I sent them a letter that I was representing an individual. In response, Hanna and his employees tracked down my unlisted home phone number and called me at home. I have never had a collector call me at home. It is clear that these folks will stop at nothing in an attempt to collect a debt – whether valid or not.
If you get a letter from them, email me at email@example.com and we can talk about your options. Do NOT call these people until you talk to an attorney who handles debt collection issues. These folks will not stop until they harass you into paying money you may or may not owe.