Do not speak to them. Always keep in mind, if they call you, state: “You have been advised by the law that this call will be recorded for training purposes” and that you request that “all correspondence will have to be in writing.” Besides those two statements, DO NOT talk to anyone from any of these companies; only correspond with them in writing. We have letter templates that you can send to these companies beforehand so most of the parties mentioned will have been warned not to call you, or else they face damages according to FDCPA.