Last week, Minnesota AG Lori Swanson filed a lawsuit against a debt collection company, alleging that it repeatedly attempted to collect on debts that consumers did not owe, and made unlicensed collection calls to individuals, their relatives, and their co-workers. According to AG Swanson, the company pursued “phantom” debts against consumers, threatening non-compliant individuals with lawsuits and arrests. AG Swanson further asserts that the company “failed to inform people of their legal right to dispute the ‘debt’ and refused to provide verification of the ‘debt’ when people asked questions.”