My husband had been contacted on XX/XX/XXXX and XX/XX/XXXX in which a message was left on his phone for me ( XXXX XXXX ) to call XXXX at Universal Recovery Corporation. On Monday XX/XX/XXXX I received a letter that I owe {$300.00} for a {$75.00} returned check. On XXXX/XXXX/2015 XXXX called my husband again but this time he answered and when he told her I was unavailable she continued to tell him about the money I owed, threatening a lawsuit and to ruin our credit, and then she brought up our XX/XX/XXXX bankruptcy. When my husband told her that he did n't think it was legal to be talking to him about my debt she became hostile and said " it 's legal in California ''. I have tried to resolve this debt, but any time I ask a question she just raises her voice and says I have to pay the full amount, its the law. The first contact received was on XX/XX/XXXX, so I do n't see how I can owe 3 times the delinquent amount.