I declare hardship In XXXX with the debtors..the account was closed and reopened XX/XX/XXXX..without me knowing they 're trying to collect a debt from XX/XX/XXXX..they 've been harassing me & lt ; Account # XXXX {$550.00} Balance XXXX Original Creditor {$500.00} High Balance XX/XX/XXXX Opened Date XXXX XXXX, XXXX Last Reported ... Account # XXXX {$1500.00} Balance XXXX Original Creditor {$770.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported By LVNV FUNDING LLC..they are trying to collect a debt then I do n't know.how do I get help taking care of this because they do n't have original records anyone ever tell me about my account.when they result in that account without my knowledge..have my limitation has been violated? I do n't know